While mortgage shopping on the Internet, I discovered that there were some issues affecting my credit score. Not totally understanding the reasons why, I called Credit World, and within an hour I was discussing these credit issues with Keith Jenkins. Keith asked me some basic questions, pulled my credit report, and gave me some helpful advice. As it turned out, I didn't really need credit repair, but rather some easy fixes instead. Nonetheless, we talked for about a half hour and he also gave me a referral of a colleague who as more suited for what I needed. Best of all, Keith never charged me a dime for his services either. Now I can take advantage of the low mortgage rates and get an attractive quote on a refinance as well! So if you're considering calling Credit World, don't hesitate! This gentleman really knows his stuff and I highly recommend his services. Thanks again for your valuable help and the referral you recommended Keith Jenkins!