I needed some help increasing my credit score and contacted Mr. Williams. I was skeptical that Mr. Williams could deliver as he promised so I asked him to guarantee his services. He GUARANTEED me a credit score of 720 or my money back. At that time my score was high 600s. I paid him $500 and competed every task he asked me to complete. After 4 months my credit score had risen slightly but I was still well below 700. He asked me for $200 more so he could use his "Computer Guy" to do some kind of special analysis at which time I asked if the 720 money back guarantee still stood. He said yes. After 3 or 4 months of no further credit score increase it became apparent that he could do nothing further. I brought up the money back guarantee and at first he seemed receptive and offered me 4 more months of his services free of charge. Again, I asked for some kind of credit score increase guarantee because, after all, what good is 4 more months of his services if he is unable to increase my score to his guaranteed level after a year? After I required some kind of score increase guarantee during his "4 more months free" offer, he more or less dropped this offer at which time I decided to accept half of my money back just to settle this and move on. Once again he was receptive at first but then after dozens and dozens of emails to him he has not followed through and has stopped responding to my emails. I am still willing settle and move on at any point but my experience is that he makes repeated promises that he does not keep and is offended if you question his abilities or his results.