These guys have handled three of my family's accts, including my own, and I can attest to the fact that my credit jumped about 100 pts in less than 30 days (I want to say about 14 days, not exactly sure though). Keep in mind everyone's credit situation is different, but with all the credit co.'s mix-ups (my acct. had almost 60 items to fix) results are likely in most cases, and these guys only charge me when something is removed/corrected. They also have great personal interaction system, where I got my own ‘credit coach' who has helped me out A LOT, thanks Shannon. Check Fortress Credit out, they're legit in my book and there's nothing to lose by doing so since they only charge me when results happen!