I tried plenty of times to stop my subscription and couldn't get a hold of noone the email from…read morethe invoice doesn't reply back but keep trying to go in mybaccount to take my money.

**PLEASE READ MY REVIEW IF YOUR TRYING TO IMPROVE YOUR CREDIT SCORE. I PROVIDED SOME INFORMATION ON…read moreHOW I WAS ABLE TO IMPROVE MY HUSBAND CREDIT.** Going to philly credit mechanic was a waste of my money. Me and my husband went to them to improve his credit score. I had them since July 3rd, 2019. It's been 3 months and there is no change to his credit score from what they did. I spent $324 these months and it was a waste of money. All they did is continuously disputed things on his credit report that wasn't even incorrect. When I called them in September to ask for the result, they states the late payments for one of his account is no longer there but when I access that account through other media like credit karma, it still showed up. During these three month I researched a lot on how to improve credit score and I also did some work on his credit. - I open him secure credit card with discover by depositing $200. The credit machine suggested me to open an account with https://www.creditbuildercard.com/ but their service is horrible. applied with them twice but never got the card. So if your looking for a secured card discover https://www.discover.com/credit-cards/secured/ is great. - next I open a self lender account, which is great for building credit.https://www.self.inc/. On you credit history it will come up as loan that your paying off every month but once you finish paying it, the money will come back to you and your credit score will improve. - I paid his credit card balance every month before the closing date, which is not the same as DUE DATE. The last day of the billing cycle is known as your account statement closing date. For more information https://www.thebalance.com/credit-card-account-statement-closing-date-959982 - made him an authorized user on my credit account, this did not only improve his credit but also increased his credit line in his credit history. - continuously monitored his account. - lastly I knew the collections on his credit was not going to be deleted for there was no wrong information. Therefore I called the collection company and negotiated with them that I will pay them off, they have to permanently remove it from my his credit history. So they agreed and I just paid it off this month and it should be deleted in the 15 to 45 days days. - His credit Vintage score went up from 490 to 668. His FICO score 8 score is now 625. ** PLEASE NOTE: there are two different credit scoring model. One is FICO and the other one is Vintage. 90% of people use fico, so make sure you monitor your score from both of this model. https://www.experian.com/ let you monitor your fico score for free or for a small charge but I don't remember paying it for my husband. Just paid $1 for viewing his credit score for Transunion and Equifax. Credit karma and Scoresense use the Vintage model. Credit karma is free but does have the Equifax score but you have to check your equifax account with 30-Day Trial for $4.95 or view it through experian with a small charge. ** **PLEASE NOTE: NONE OF THIS INFORMATION WAS ADVISED BY PHILLY CREDIT MACHINE. I WAS REALLY WORRIED SO I DID MY OWN RESEARCH. PHILLY CREDIT MACHINE ONLY DISPUTED THING THAT SHOWED NO RESULTS. WHEN MY HUSBAND CREDIT WENT DOWN IN AUGUST BECAUSE HE USED IT MORE THAN 30% OF HIS CREDIT LIMIT, THEY DIDN'T LET US NO WHY IT HAPPENED AND ADVISE ON THE GENERAL RULE OF USING YOUR CREDIT CARD. THEY JUST STATED IN THE MESSAGE YOU CREDIT SCORE WHEN DOWN, PLEASE CHECK YOU SCORE SENSE ACCOUNT. AFTER DOING RESEARCH I REALIZED WHY IT HAPPEN. IN CONCLUSION IF YOUR TRYING TO IMPROVE YOUR CREDIT, DO YOUR OWN RESEARCH AND INSTEAD OF SPENDING YOUR MONEY ON THIS COMPANY PUT IT INTO A SECURE CARD OR SELF LENDING ACCOUNT.**