Don't waste your money, they just send you a list of credit card companies that will give you credit for your bad credit which isn't much ie 500 bucks. I learned from experience that you don't need to pay these people to do something you can do for yourself. Don't believe everything you read. Help yourself and call a reputatble financial institution, more likely they'll be able to help you out. They may not be able to help you with the loan amount you want, but they'll sure be able to help you out with more than 75% of the requested amount. Oh and may I add you'll need collateral like a car that has some significant value to it.