We cannot thank My Credit Plan / FFEF enough. We were able to lower our monthly mortgage payment by $126 when we purchased our new house, simply by raising my husband's credit score from 588 to 663 within 75 days. With the higher credit score, we qualified for a lot lower interest rate on our mortgage. We followed the plan found with My Credit Plan and this helped us raised my husband's credit score. We are grateful to all who helped us. This has been a great experience. My questions were always answered and realistic expectations were met. Highly recommend to anyone who needs help.