When I met The 700 Group my credit was not horrible. I did have alot of medical bills, and I already had credit cards but did not know how to properly use them. Throughout the process they were able to help me clean up alot of those medical bills, but more importantly educated me on how to avoid getting new medical debt reporting on my credit. They taught me how to manage my credit card balances to manipulate my score when I needed some extra points. They taught me so much info about the application process when applying for credit and how that works. I was able to build my credit even stronger without taking a bunch of credit inquiries. Before I had no idea how much inquiries matter, and how powerful each inquiry really is in regards to approvals and points.