Well, what sets up apart from other credit repair companies is that all they do is repair credit and then on to the next guy. We have many other programs. For example, we Gaurantee if in program $100 to $200 from our investment company and that small loan is reported on all 3 bureaus. And sometimes, not all the time we do have bureuas remove 100% of the derogatory items and now they need something positive. We will, again, lend them that money and report it on all 3 bureaus. Or lets say the credit bureaus remove 7 out of 10 items, then we will have a settlement company settle those remaining items for 40% of the debt and after they pay that, then we will go in and audit them again. It's allot easier to take care of any remaining items when you have settled with the creditors. And most important we send certified mail which enables us to track the mail. There are federal laws that say these collection agencies have 30 - 45 days to respond to these audits. So if you send letters regular mail, it's extremely hard to track when that time frame is up, by using regular letters. Our clients are CHase, Wells Fargo, Century 21, Allied Home Mortgage, Jay Kinder, Coldwell Banker, Five Star Ford, Huffines etc etc etc. So if you need references we have thousands.