Well, I signed up exactly three months ago today and with everything I have learned from this kit and forum I have gotten 7 items removed from my TU and my EX score went from 482 to 504. Not top of the line but it's not too bad in three months. I have only positive things to say about this forum and all the great and valuable information it holds. Never give up on your dreams or your goals. I can't wait to check in the next three months. Thanks for all the great information and good luck to everyone here