We were really in a tight spot, three payments behind on my mortgage and I was already working with another credit repair company trying to clean up my credit file, they couldn't get my mortgage late's removed and I couldn't get refinanced anywhere.  I was put in contact with First Rate Credit Services and they told me they would be able to remove my mortgage late's within two months, and they did !!  We was able to refinance my home, which really bailed us out of a bad situation.  I would recommend First Rate Credit Services to any one that needs the most challenging credit issues confronted in the shortest amount of time.