This company is horrible, they told me I had 2 evictions, several collections and 2 criminal charges on my credit report so they couldn't help me but was able to send me to the credit Bureau. I submit a request for my credit report and disputed the Up & Up decision. Nothing, nothing, nothing on my credit report and had a credit score of 694 she told me it was 619 no evictions, criminal charges nor collections. This company wouldn't respond back and kept me running around for 2 weeks. They are horrible. Please make sure that you know exactly what your credit is before working with them and make sure you have all your T's and I's crossed and dotted before they pull your information.