After being denied a home loan, my loan officer referred me to Chad at A+. I could not be happier with my decision to hire him. My midscore was raised by 76 points. Chad does not give up. He is very knowledgeable and will answer any questions in a timely manner. He is not condescending of your credit. I will be closing on my home on Wed. and I couldn't have repaired my credit alone. There are things you can pay off that won't even effect your score, best to leave it to a professional. I would recommend Chad to any of my friends or family.