An average of 4.4 — and how it’s made

“First meeting, Maya circled half my report and said “this part is accurate — disputing it would waste your money.” Then they fixed the part that was actually wrong: two collections that weren’t mine, gone in round two. Nobody had ever been straight with me like that.”

“Docking a star because it was slower than I hoped — round one took the full 45 days and barely moved. Round two with more paperwork did the real work. Every invoice came after the month, like they said. Just know going in: this is a marathon.”

“Someone opened three cards in my name and I was drowning. Daniel built the identity-theft file, walked me through the federal report, and tracked every dispute to the end. Seven months, all three accounts and their collections off my reports.”

“They settled my two biggest cards at about half. What I’d tell you: LISTEN to the tax part. They warned me about the 1099-C twice and I still winced at filing time. Not their fault — it’s in writing — but it’s real money, plan for it.”

“One payment instead of six, interest cut by more than half, and a payoff date on paper — 2028, and we can see it coming. They even told us a nonprofit could do it slightly cheaper. We stayed for the people.”

“Honest? Yes. Miracle workers? No. Most of my report came back “verified accurate” because, well, it was accurate. They’d told me the odds up front and refunded my last month when we agreed to stop. I’m rating the outcome, not the people.”

“They told me NOT to hire them. My report was accurate; my problem was utilization. Tom gave me a one-page plan, a secured-card suggestion, and zero sales pressure. Eight months later I crossed 700 on my own. Who does that?”

“No magic, just steady. Repairs fixed the errors; the DMP handled the real debt. I wish the first month had felt faster, but every promise they made in writing, they kept. The monthly reports alone are worth it — you always know where you stand.”