I needed to clean up my credit to qualify for a mortgage refinance. Also motivated to cleanup my credit finding out you are limited on financial and life choices with bad credit. I was referred by a mortgage company and was skeptical about working with My Credit Guy. Turned out to be a great decision to go with this company Jared and Tracy were able to clean up my credit and boost my credit score. Within 6 months my credit score is way past average and meeting my goal of refinancing a mortgage to lower interest rate. Also great communication and service.