SO THERE IS THIS COMPANY CALLED OPTI-SCORE, WHO HELP YOU INREGARDS TO YOUR DEBT AND CREDIT REPORT. I DID A LITTLE RESEARCH AND FOUND OUT THAT THIS COMPANY IS A SCAM. AND TO MAKE THINGS EVEN FUNNIER, CO-OWNER TODD BIERMAN, HIMSELF, DOESNT PAY HIS BILLS. WELL ANY OF HIS BILLS, HE IS THE ONE THAT NEEDS TO TAKE HIS OWN ADVICE AND START GETTING HIMSELF OUT OF DEBT. ALL YOU HAVE TO DO IS PUT HIS NAME IN GOOGLE AND BAMMM...ALL HIS PERSONAL INFO PULLS UP. HE OWES SO MUCH MONEY I CANT BELIEVE HE EVEN TRIES TO TELL PEOPLE HOW TO MANAGE THEIR MONEY. THIS COMPANY AND MAN IS A SCAM. DO NOT TRUST THEM. AND MR BIERMAN IF YOU GET A CHANCE TO READ THIS. PAY YOUR BILLS!!! YOU HIPOCRITE!!!!