No they don't help raise your credit score. But they can lower your debt rate and that's a fact. Reason why i Know is because i know the owner and i know how it work and people are giving bad rep with out knowing so please just contact the company at fblassociates.com. Hope this helps.
The reason why they've been getting bad reviews is because the service was very bad. Whenever you give them a call to get something ( such as a copy of your contract ) they always give you an attitude. I spoke to 3 different people ( Josh, Tiara, and Jackie ) for the past 3 weeks to ask them for my contract to be sent thru e mail or mail , they keep giving me the same answer that they are waiting for approval ( from who ? ) , I feel that I m playing with fire now, They take $ 330.00 a month out of my checking account for the past year and I don't know if they will ever fix my problems.... 07/22/2010
After personally witnessing the treatment that my god-mother has received at the hands of FBL, I would not recommend this company to anyone who is looking to reduce their debt and salvage their credit. The representatives are haughty and disrespectful, their executives do not return phone calls, even after personally assuring the client that should she need any assistance, please feel free to call me back. The manager in question is named Mr. Bill Ofshlag. If he is an example of the service that clients will receive, then FBL and Automated Debt Relief, should go bankrupt!