I was very skeptical in the beginning whether this program would work or not. I asked myself, “How well could it work when I have a mid 400 score and nowhere to go?” So I said what the heck, I have nothing to lose. And now I’m so glad I did. It’s now several months later, and now I am at a mid 700 score, and a clean credit history. It’s great to be back in “business”! And YES! It’s worth it!