Entered into contract to repair credit late 2008. Asked for update in November, was told would get to it. Then told "laid-off" person working my case. Called in December tying to get information on progress and updated credit report, was told "really busy" will send it out soon. In March I stopped making monthly payments due to non-performance of contract, until I could receive an updated copy of my credit report. Now has turned me into collections for non-payment. I intend to take to small claims court.