Partners, Partners, Partners... let me tell you that Netiva and her company are all of that and then some. If you have not signed up, you need to. I had my counseling session today (worth everything), and it was like talking to a friend and having someone tell you your fortune all at once (...for the record, I am not into no palm reading, lol ). In this session I was told what I am doing right, what needs to be improved, what to stop doing, what to keep doing, what to dispute, what to pay. When I got off the phone with Keesha, the "100% Certified Credit Counselor", I felt like I had just laid on the therapists couch releasing all of my credit problems. I am thankful and with the plan that I was given, I am on my way to credit recovery and the 700 club. If you are looking for the perfect gift for yourself this season, give yourself the gift of "good credit", a gift that keeps on giving. Slay your credit, get the counseling, put your credit on fire!!