when they report to anyone the info they sent to me it hurts my credit that I have tried to get my scores higher... I thought a small loan with good payment history would hellp... I did not join experian for their help and looks like they got me back for not doing that.... Clarity said I could dispute the charges on my file but that doesn't mean they will take them off... even If I have proof.... what kind of credit reporting services is Experian as this Clarity is their company they work for Experian.... This is fraud and experian should be shut down period for these practices.... worse than scammers as they have to much power over the average person...