I also must add that I paid off a few items on my credit report that went into collections, which I regret tremendously. Your credit score will not improve much just by paying them off it will show it as paid, but it still shows up on your credit report. I didn't understand how this wouldn't help and they could help, but he explained it andf it made complete sense they work with creditors to get your negative credit reports removed..I wil update when I get my first report :)