Simone Chin, thank you for taking the time to review our business. However, none of the services we offer affects any individual’s credit score. Our services do not affect credit scores. It would appear that you have mistaken our business for another. We empathize with you. We assure you that our staff are experts in the industry and strive to provide our clients with only the very best client experience. Do allow us to provide you with the same level of unparalleled service our clients enjoy. Thank you.