I went to credit union and met with John Goffe, to go over my credit. I was looking to purchase a home, but knew my credit needed to be fixed. John sat down with me and went over everyrhing that appeared on my credit report. He took the time to explain what was good on there and what needed to be fixed. When he finished, he immediately went to work making phone calls and got the negative reports to settle for lower amounts. John also made the checks out and sent them to the appropriate people. He made fixing my credit stress free and helped me achieve one of my biggest goals, to be able to have great credit and purchase a home. John was an important part to help me understand about credit utilization, credit spending, maintaining and keeping a good credit score. I appreciated the time he took to help me and not make me feel like I was failure. He's sincere, genuine and honest and takes the time to explain things. I wouldn't be where I am today, if he didn't help me take that first step.