I love Atlas. I was kind of leery, that this was smoke and mirrors. I was wrong. They reported excellent information to all 3 credit reports, showing I had a high line of credit, but only use a small amount, and pay it off daily. My score was well over 700. My husband died unexpectedly at 37, and I was left to care for my children aged 2,3, and 5. I moved a few times before buying a house. My student loan bill never came to the right address, and I never recieved it. The payment was only$55 a month, which I would have gladly paid. Regardless the student loan company reported my payment 90 days late!!!!! The only time it's even been late in 12 years. Due to an address move, and my late Husbands credit card being closed, where the direct deposit came out of. This dropped my score almost 100 points. I begged and pleaded to get it removed(NelNet) due to extenuating circumstances of losing a spouse, grief, and caring for my children, plus the 2 address moves, they would not budge. I decided to try out Atlas. It doesn't work automatically, and you have to be consistant. But after a few months of hard work my score went up over 66 points!!! I'm hoping that it will continue to rise. This is literally the only card I use. The points are amazing, and the credit improvement honestly is priceless. I would recommend everyone sign up for Atlas. They are an amazing way to build your credit back after a simple mistake!! Thank you Atlas for helping others get thier credit, and sanity back!!