Answer: -I have. Her name was Ann McNally out of Kentucky. You can look online and find her. She will help anyone in the U.S. Her rates are lower. She boosted my credit score by over 100 points. My husband's, too. We were finally able to buy a house at a reasonable interest rate. Her website is AACR-LLC.com -I often wonder about this as well. A lot of people on here say, "don't pay someone to clean your credit" but what if you really have made mistakes in the past, have paid them off and would like for those items to be removed. It seems those disputes and having items removed from credit reports are for those people that have a mistake on their credit report and the other people who has legit negative marks have to wait 7 years. My co-worker had a bankruptcy on her credit report and she went to a credit repair person and the bankruptcy was removed (this was 2 years ago). So I am wondering, can someone really clean your credit or is it that the credit bureaus has made people believe that it is impossible to clean your report and you must wait 7 years. To answer your question, maybe you should give it a try.