How effective is Credit Shield 360?

My wife has been working very hard at boosting her credit and pays everything on time, uses her credit cards responsibly, and usually only for revenue producing items for her business. Irresponsibility of an ex-husband still lingers on a credit report like an anchor and it seems like her score will not budge. Question: How effective is credit shield for $9.48 a month? Should we just suck it up and go with one of the $79+ per month companies? Thanks in advance!

We actually wrote a story about a woman who had a lot of success with Credit Shield 360:…llection-shield-360/

But I’m also curious to see if any of our members have had their own experiences!