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!