I have bad credit and listened to what they had to say. Stupidly I thought it was a good idea. They don't have any services to offer and now threaten to worsen my credit if I don't pay their exorbitant fee. They want 169.95 and they didn't do anything at all. What they say they do never happens. Actually I got sent to other sites where I had to pay them to get financially straight. What the hell does EFR do?
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