It took me about an hour to email the creditors that are hurting my score. ScoreMaster makes it very easy with already created messages that are sent to the correct people at the company. Some creditors respond to the pre-made messages which increases your score. The reason I did not give 5 stars is because my score has only increased 13 points and it has been 1 month. That is not what ScoreMaster states they can do. I will take 13 points though!.