My mother is a deaf senior person and I assist her with her finances. I was looking at her Credit report and realized that it dropped by 86 points. I looked into this a little more and realized that one of her payments arrived to seventh avenue a few days late. I reached out to the company on behalf of my mother, who has been a customer of this company for 12 years, and requested a good faith removal of the delinquent payment from her credit reports. This company stated it was against company policy and refused to remove this reporting. I have had this same scenario happen to me and my credit card companies have offered to remove it because they value my business. I would not recommend this company, as I do not believe that they value their customers.