While using this credit repair service I have managed to pay off two credit cards which resulted in higher credit scores. I am in the process of paying off a third card which, in the future, will be used as my one and only means of charging purchases related to travel or verification purposes. I have been able to lower my debts and increase my credit scores which will enable me to purchase my next vehicle with higher scores and a lower interest rate. This is a goal everyone should ultimately strive for in order to greatly enhance their purchasing power. Universal Credit has taught me so much about the importance of my FICO score.