I had been struggling with late payments and collection items for years. I payed for the services of Self for several months and nothing changed. They are only a scam, will take your money but do nothing. I was in desperate need of fixing my credit. I found out about a credit expert called Blitz on Instagram (@ 1andonlyblitz). An amazing guy. Deleted all 12 charge offs, more than 16 late payments and all the collection items and hard inquiries. Don't waste your time or money with Self.