I believe most of the sham operators were/are out of business once attention to the L/O problems/abuses were in front of the general assembly.

As a Taxpayer, I am offended by the abuse these programs encourage.

I was told by a flooring professional that the glue-down kind is best for rentals because it can take more abuse from tenants.

Keep in mind this is the same message that you will see when someone is using a CPN instead of their SSN.When someone has abused their own credit and is not interested in fixing it they will acquire a CPN ( credit privacy number )Calling it a CPN is kind of silly since the vast majority of them are criminals finding unissued SSN's and using them as their own.To give a very brief and simple explanation of how this works:Loser with fried SSN and ****** credit history decides they want a CPN so they can use that on applications and credit related things instead of their own ruined legit SSN.They contact any of the thousand "CPN credit repair" companies who issue them a CPN for a fee.