I'm not one to write reviews, but ya'll better sign up for a credit consultation. Shanté is the TRUTH. I've done a lot of dances with credit, and a lot of what I know is how to avoid situations through having made the mistakes before. What I didn't know is how to repair the mistakes and how to start. Shanté helped me with all of that. Her service is valuable, and well worth the money! Combined with all of the resources in this group and on her website, there's nothing you can't accomplish.