I am shocked that their rating is this high. If I ...

I am shocked that their rating is this high. If I could give ZERO stars I would. Their communication is terrible. And just like others have said, they can settle your debts for a lesser amount but their fees eat most of the difference. I was able to remove one of my accounts and negotiate it WAY BETTER on my own. I highly recommend speaking to your creditors on your own and trying to work something out. This company is terrible!!!