Answer: -No I havent used that one, but I am presently using the score watch product from myfico.com and I like it so far since its free for 30 days. I might keep it because I like the fact it texts me when something new happens to my report and score. As for the product you are asking about, its just for a one time thing and you can do that by yourself. -I love Suzy, although I don't always agree with her. My mom bought her product on how to create a trust. To this date it has been quite a bummer, it makes no sense. It is easy to use, but when you fill in the blanks it brings up messages that almost make it entirely useless. My company found it very expensive to contuse offering our clients a rapid re-score of their ficos. Today we refer them to Lexington Law and I believe they charge $99 to spend 3 months helping you repair your credit. They will even refund 100% of the money if they are unable to get any of the accounts fixed for you. My clients have all been very happy, and it was costing us a minimum of $500 from a third party to try and do this in the past with no promise it would help. -You do not have to purchase anything to restore your credit. Those applications are simply to simplify the process.Nothing will repair your credit for you. All it takes is knowledge of how the credit system works, the ability to closely examine every single detail of your credit report, and the knowledge of what to do if something needs to be changed.