This company was beyond terrible and I encourage you to not be as naive as I was. When I called to get assistance cleaning up my credit, I was never informed by an agent that all of the services they were providing were ones I could easily do myself. In addition, they took my credit card over the phone and immediately charged me for services they had not provided yet. When I researched more on the internet that day I realized my mistake and called to cancel. They did not refund me my $58.00 until I set up a stop payment with my bank. In addition, they promised in a voicemail to never charge me again. A month later they charged my accoun $198.00. I called that day to have them refund the money. They promised to do so but at that point never followed through. Whether or not these people do decent credit cleaning, I do not know. However, I do know that they are terrible at accounting and closing accounts. They also do not issue refunds unless you are aggressive. If you are looking to clean up your credit, there are many non-profit groups to help. Join a local credit union - many can provide those services free of charge with people you can trust. Don't be naive like I was, avoid Home Loans Assist at all costs. They are also known as "National Credit Care LLC."