This isn't some fly by night operation! The services that COHO offers are valuable and needed more and more each day. They are linked with the TOP credit reporting agencies. They are tops in the field of credit repair and their successful "ScoreNavigator" is unique and directly available to the public instead of moving them through "credit repair" agencies for help! It's HUGE!!!!! As word gets out to the people needing this service (and they can utilize it without the embarrassment of even speaking with someone about their bad credit), it will soar. It even gives them an "action plan" to bring their scores higher. It's software that is inexpensive to the consumers and offered along side the major credit reporting companies. Folks better get in while they can. With the buyback.... the opportunity is shrinking to get in!