I had this and nearing the 3rd year (Jan 16') It helped me so much in my credit repair process. I started with ficos in the low 500s. It helped with overall utilization ( I only really charged 1 thing under $100 financed) so it showed low usage paired with a Cap 1 Platinum($900) and Discover IT($400) and most was PIF or 1%-9% balance reporting. Ficos are now over 700s.
Since then I've been able to get close to 60,000 in revolving credit.