Complete scam They do not help your credit at all.. in fact I had five loans that I paid off early.. for a total of over $1,000 that I paid off within 2 months.. and they decreased my credit approval by over $1,000.. Don't use this company if you're looking to improve your credit ..they will only mess it up.. they are complete liars about the fact that they state the more you pay off your loans the better approval you'll get.. it's a complete LIE