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It is credit repair, and you can get a trade line with them, and after they help you they also are a mortgage company. For a single person it is $199.00 and then $99.00 every month thereafter until your credit is up. My thing is, they could charge you indefinately and not really be doing anything. I paid off every company but one, and received 0 balance letters and all...they say a lawyer letterhead means more action, but I don't see what more they can do but do what I am doing now, wait until the score goes up..