07-23-2009 03:56 PM
Welcome to the forums!
I would tread lightly. Whether they are legit or not, they aren't doing anything you can't do on your own for free with some time and research. In fact, there's a wealth of information in these forums, information on different types of credit and the scores people have gotten approved with, scores and other things various creditors look for, information on credit repair and rebuilding, etc.
07-23-2009 04:17 PM
Thanks for info....
I'm just to the point I don't want to deal with credit crud anymore.....I currently don't have any late issues, but it's creeping up on me....And my util is way too high....Many CCC's had given CLD's lately which make my credit score worse....
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO