After signing up for the service it took just a little longer to show up, but it did show up. I provided 1 year and a half of on-time payments and my credit did not increase at all (I'm sad about that, I was so excited when I read about this service). I did receive a call from a rep when I decided to cancel which explained why it did not increase. I wish that I would have known that since I have medical collections or any collections I would not benefit from the service. I will advise others to try it because as you have read it can boost you.