I knew I could benefit from professional credit counseling, but I had no idea where to begin. Thankfully, Joe Camacho was able to take great care of me. You see, I've known Joe for many years, so for those who are thinking about getting help, once you talk to him for the first time you'll feel like you've known each other for years. He's a results-driven, true professional, and really cares about serving his client. After my phone consult, I was told what I would need to do, the cost for the services, how long the process would probably take and what to reasonably expect the outcome to be. I found it very reasonably priced, less than I expected, and simple. The process happened just like Joe laid it out and I did as I was told. I did not have to converse or correspond with any of the creditors. At the end of the process my score was raised over 120 points and I could not be happier with the outcome. I've never been able to get auto loan interest rates this low in my life, and I also recently qualified for my first $25k credit card. In addition, maintaining my security clearance never has and definitely never will be an issue down the road. I fully recommend him and will tell you if you call someone else you'll be making a huge mistake.