If you have credit issues, Gerard and his team are the go-to professionals that you need! I used to have excellent credit, but my participation in the HARP program (more like HARM program) and two late payments sent my score into the low 600's. I explained my situation to Gerard, and he did the necessary legwork to contact each of the companies who had written a derogatory remark. In less than a month of Paradigm Credit's help, my score jumped into the high 700's, and once I paid off a high credit card account, my newly "spotless" record launched me into the low 800's. Perfect timing too as we were getting ready to refinance our home. Not only did we qualify for a much lower interest rate, the amount of money we will be saving over the lifetime of the loan is thousands and thousands more than what we paid to get our credit fixed in the first place. One last comment: recently, my youngest was getting ready to rent a property, and needed to check on his credit. I referred him to Gerard. Instead of taking advantage of a young person and getting him to pay for a service he didn't need, Gerard listened to his questions, offered some sound advice, and let him know that his services wouldn't be needed at this time. It's refreshing to know that there are still companies out there that care more about the client than making money for themselves. I will continue recommending Paradigm Credit Repair services to everyone needing to improve their credit. Thank you so much, Gerard and your team!