Was referred to NCC to help with my husbands credit. Started with them the beginning of August and by September's updated credit report his score went from about a 543 to about 721. No Joke! 1 month! Now I am guessing that these results may not be typical, but - they do what the said they would do. Also, after comparing rates from other companies, I found them to be more affordable. I actually thought that maybe I shouldn't have picked them because other company's were quoting me so much more that maybe they weren't legit. But the numbers don't lie! So glad I went with NCC and I recommend them to anyone who doesn't have an 800 score!