A little bit of background before we get started, I had two judgements from charged off accounts (Credit one and First Premier), two medical collections, a Verizon, and sprint. I also had some unfamiliar inquiries and date of birth showing up on my report. I thought for a moment maybe it was ID theft, still wonder about it now, but they took care of the judgement by the 2nd month, the medical bills are gone, Verizon is gone on all but one bureau, and sprint was only deleted from transunion. However, I am still working with them and satisfied with my results. My scores were in the 400's ( around 489 to be exact) and I had no credit. They helped clean up my report and rebuild my credit using a secured card, which I know now, is common knowledge. I have to say I learned a lot about the laws that protect me as the consumer and how to use and maintain my credit. Pretty happy with Reliant Credit and have not tried any other sites becuase I simply didn't need to. Good luck!