Has anyone else used this service? I had a really bad experience with them. The creditors started calling, it was awful. I have always paid on time, I just saw it as a way to pay everything off. I have paid everything off, but now my score is awful. They said the bad payment history and having a low debit to income ration would balance out, and it hasnt. Has anyone had any experience with this? They also said I could write a letter explaining everything, and this would come up on my credit report? They also said it would only effect me for a couple years......but it really is 7!! I would not recommend them to anyone, unless you already have a bad payment history.