How Can I Improve My Credit Score? 8 Ways to Increase and Raise Your Credit Rating

Maybe you’re sitting at home looking at your credit card statements, realizing that your APR’s [Editor: Annual Percentage Rates] aren’t quite as low as you’d like, or you’ve recently checked your FICO score and notice it’s low.

Credit Score Ranges

You want your credit score in that Excellent check box up there!

Perhaps you want to refinance your home, and want to get the best rates possible before looking into loans.  Or maybe you have a very low credit score, getting deeper in debt and need to do some real work to improve your credit score.

So you’re now thinking “how can I increase my credit score, what can I do?”

If you don’t have any serious debt issues or bad credit blemishes, like a bankruptcy or foreclosure, then raising your score can actually happen quickly.

But if you have more serious debt problems, like maxed out cards, missed payments, or other issues then it’s likely that there will be no quick solution.

But you can begin to change your habits right away.  Payment consistency and time will show you the rewards you need in the long term to improve your credit score.

Whatever your situation may be, here are eight ways to help you increase your score:

#1:  Check Your FICO Score with a Tri-Merge Credit Report

First things first – you need to see exactly where you are at with your credit score.

If you don’t know where you are, you can’t get to where you want to be with improving your credit rating.  Once you know your FICO score, you can create a plan to improve your credit score more easily.  Once a year, request a score from the top three bureaus – Experian®, Equifax®, and TransUnion®.

Here’s a brief rundown of FICO Credit Score ranges (estimated – will vary between companies):

300-550PoorMay be rejected, or only accepted for very high interest rates
551-650AverageQualify for high interest rates
651-710GoodQualify for moderate rates
711-750 Very GoodQualify for very competitive rates
751 and upExcellentLowest interest rates

#2:  Pay Your Bills on Time Every Time

This is probably the most important thing you can do to improve a credit score.

Not doing this severely impacts your credit score.  If you haven’t been keeping up with your payments, it’s likely that your credit score has dropped substantially.

The first thing to be paid is a home mortgage if you have one.  Next are any high interest rates credit cards that you might have.  If you have the option to balance transfer at a very low APR or 0% interest rate, you should consider doing one.  This will make paying down your credit card debt easier as the interest won’t build as quickly.   Paying down the cards quicker will help with your credit utilization (see Tip #3 below about this).

The only caveat is that you must not spend any more on these cards where you’ve just cleared the balance, or you’ll head right back to where you where – bringing us to the next point…

#3:  Actively Use One or Two of Your Best Cards, Forget the Rest (but don’t close them out)

If you are have a low credit score and are having debt problems, this will require a great deal of willpower to change your habits.

Don’t spend anymore on those additional cards. 

And if the cards that you are actively using are reaching their limits, that means one thing – you need to spend less and budget your money better – and starting paying in cash.  This will be temporary until you can get out your bad spending habits.

If you have an average credit score and aren’t in dire straits with debt, you may want to spend mainly on one or two cards, and occasionally spend on any other credit cards you have.  Just don’t forget to make those payments on time!  The reason for keeping those additional cards open is for maintaining a higher utilization limit.

So what is credit utilization?

It is the total limit of all of your cards combined, which is how much you are able to spend.  If all of your cards are maxed out, then your utilization would be close to 100% – not good.

However if you have low balances, your utilization will be lower.  Say you have a total limit of $20K between all your cards and only have $2K in balances – your utilization is only 10%- that’s good.  If you close a card and drop your utilization to say $10K, your utilization would immediately increase to 20%.  That’s why you need to keep the credit cards open for the time being to maintain a lower utilization.

#4: Don’t Push Your Cards to Their Credit Limits

If you are having an issue maxing out a particular card with a lower limit, try to spread your spending out across another card.  It’s better to keep the utilization down on each card to help improve your credit rating.  Shoot for 25%-30% or lower with your utilization rate, even if you are consistently paying them off in full every month.

#5:  Reduce Your Credit Card Balances All You Can

A recap of a detail in Point #1 but important to mention again.  The more you can pay down those balances, the less interest will accrue for your debt management issues and the lower your credit utilization will be.

As stated above, lower utilization should help increase your credit score quickly.  And that’s less debt to worry about, and more money in your pocket and not in the pocket of the credit card companies or lenders.

#6:  Don’t Apply for Too Many Credits Cards or Loans

Each time your credit score is checked by a credit or loan company, you could potentially lose points from your FICO score.  If you need to do it, it’s better to apply over a short period of time, say a 2-3 week period.  Clusters of credit inquiries aren’t so detrimental; it is when queries occur over a longer period of time.  If you’re already having debt problems, then you don’t need to be looking into more cards or loans – you should be focusing on settling credit card debts and loan debt already.  Part of how you got here is by overextending yourself with debt.

If you are managing your money well, but have just been a bit lazy with paying on time, or not paying attention to your credit score, now’s the time to tighten up and stop making those sloppy mistakes.  This way, you’ll get better APRs and rates for everything.  This will definitely help you not only with credit card rates, but also mortgage rates if you’re in the market for purchasing your own home or a refinance.

#7:  Get a Secured Credit Card

This is very useful to someone who has a low FICO score.  A company offering a secured credit card will require you to place a deposit of several hundred dollars down or whatever the company requires.  This secures the card in case you have trouble with payments.

#8:  Dispute Any Possible Errors or Mistakes

Occasionally, mistakes will appear on your credit report.

If you didn’t do anything to open a new account or have any new inquires made, you can certainly ask to have them removed.  Also if you happened to miss some payments because you simply forgot to pay on time, most companies are quite forgiving when it comes to removing them.  Go to your credit card company or lender directly and ask that it be forgiven.  Of course you must pay on time the next time, but generally this is easy to do.

Finally

Armed with the above information, there’s no need to keep wondering “how can I improve my credit score?”

With the above eight suggestions, you should be able to form a plan of action to improve your credit in both the short and long term.

David Hamilton (aka FPT Guy) is owner and author of FinancialPlanningTips.net – where you can find sensible information on personal finance for the average Joe or Jane. Besides being passionate about his finance blog and helping others keep their finances in check, David also enjoys playing music, staying healthy, spending time with family and friends, and traveling the world.
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Published or updated June 15, 2014.

Comments

  1. A credit score is a construct, much like race. For a bank it is a risk tool. For you it gets consumers to buy into the myth of needing debt. Unless you are in an industry that checks credit worthiness to ensure responsibility (security clearance, deal with money), you don’t NEED a good credit score. A credit score just helps you obtain more debt, which is something no one needs. If you pay for a good used car in cash, and since renting never killed anyone, then you don’t need credit, and you don’t need a credit score.

    Finally, owning multiple credit cards around is just too tempting. I wouldn’t recommend keep them simply to increase my credit score.

    • A lot of places and landlords request a credit report and score these days so renting doesn’t get you out of needing a good credit score. Also, employers are starting to use credit scores when hiring. A great credit score can also help you save on various insurance. I even had a credit check when I got my last cell phone plan.

      As for credit cards being tempting, that’s up to the individual person.

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  2. Sure, all of these tips will help to raise your credit socre. But why not quit worrying so much about the score, and dump the cards altogether? I feel the benefits of a cash-only life outweigh the inconveniences. Come to think of it, with a debit card – there really aren’t any inconveniences…

    • What about when you go to buy a home?

    • Evan makes a valid point. You need to have some type of credit to qualify for a mortgage loan or an auto loan. And unless you have a whole bunch of cash sitting around, just waiting to be spent, you’re going to need to use a credit card. Debit cards and cash do not affect your credit score.

      • Agreed. A credit score isn’t only about debt these days. So many other places are using your credit score that it becomes important whether you prefer to use cash or credit.

    • It’s true that debit cards and cash only is a great way to live. You don’t overspend and you have the conveniences you need, but like it or not, that credit score does come into play more and more today. I wish it wasn’t such a factor in every aspect of life today.

      • Glen Craig says:

        You have to remember that a credit score is a quick risk analysis for a creditor. They take on risk when they give out a loan. Scores aren’t perfect tools by any means but since it’s the big one being used we need to be aware of them.

  3. While these tips are great I agree with Matt. If you can’t handle credit then use cash. Stop living beyond your means. I love the benefits of credit. There are many, but it can be dangerous to your financial health if you’re irresponsible.

    • Absolutely don’t leave beyond your means! But that doesn’t mean you can’t use credit wisely and have a great credit score.

  4. The FICO score and credit cards are here to stay. Our good credit reports and FICO score allowed us to get the best mortgage interest rate and because of that our mortgage is almost paid off. Homeownership is awesome! Use part cash and part credit cards, and, as noted, simply pay the credit cards off each month!

  5. I absolutely agree with you guys, if you have no self control with credit cards, then use cash until the cards are paid to zero balance. It’s all about the habit. Problem is people use them as credit cards instead of “electronic cash” – which is how I’ve always seen it. Never carry a balance – ever!

    However all the perks that come with credit cards, with rewards points (free stuff), purchase protection, easy to keep track of expenses – can really be taken advantage of – again, if you never carry a balance. And of course have a good credit score for getting better rates for going into good debt like a home or condo purchase, when the time is right.

    But then again I’ve known from the start that I needed to pay off the balances every month in full, and have always had control over my finances and most certainly my credit cards.

    I think the old cut-up the cards routine is passe – just stop using them until you’re out of debt, then never carry a balance again.

    • For a lot of people, they’ve already gotten into credit card trouble. Getting into responsible habits will not only help them financially, but it will also have the added benefit of helping their credit score.

  6. It’s nice to see secured credit cards on the list… I think a lot of people over look those. Besides being a great tool for building (or rebuilding) your credit score, they can be a great tool to teaching responsible use of plastic!

    • It’s surprising they aren’t used more! You can’t spend on the card what you don’t already have. That’s how I use my card which isn’t secured.

  7. All good tips for sure. What about for non credit card tips?

    • A lot of a credit score can be tied to credit card use. But not all of it.

      Check tip #2 – pay your bills on time. These don’t have to be credit card bills. Any bill you don’t pay timely can be reported to the credit bureaus.

      Or tip #8 – Dispute possible errors or mistakes on your credit report. An error doesn’t have to be credit card related.

  8. The one document I wish Wikileaks would release is FICO’s formula. I’d rather know that than any military secret. It’s astonishing that something that affects so many of us so profoundly is proprietary.

    • It would be nice to know but I can understand why it’s a secret. For one, people would figure out how to game the system if they knew the specifics. And also, why should FICO give up the use of their proprietary tool?

      Unfortunately there are no standard rules that have to be followed by FICO and I’ve heard there can be many mistakes and differences between reports from the different credit reporting agencies. That’s why it’s so important to check your reports and scores to make sure what is on there is accurate before you have a situation where you might need your credit score.

      • …why should FICO give up the use of their proprietary tool?

        Agreed, but you could argue that enjoying a monopoly means they should be required to disclose a little more. And as for “gam(ing) the system”, what’s wrong with that? Anything you’d do to game the system would be economically prudent anyway, right? Imagine if doctors kept the secrets of normal blood pressure hidden:

        You: Why is my blood pressure so high?

        Your doctor: It’s a measure of how powerfully your blood is circulating through your blood vessels. The first number is called the “systolic” pressure, and it indicates…

        You: Thanks, but that’s not what I asked. What can I do to lower my pressure?

        Your doctor: I’m sorry, that’s proprietary.

        • Glen Craig says:

          I can see people finding ways to open up accounts just to work up their score if they knew what the score specifics where.

          Blood pressure isn’t the greatest example. That’s science that has been well known for some time. A doctor can’t hide that. Think of it more like Google search algorithm. We have an idea how it works but only Google knows exactly what gets sites ranks as they do.

          There are other credit score measures besides FICO’s. they just aren’t as widely used.

  9. How long do these tips take to become effective?

    • Glen Craig says:

      They could take a while; a few months, depending on when your lenders report to the credit agencies (and what they report).

      But some are more immediate like lowering your credit utilization and lowering your balances (but not instant). Your credit reports show what credit you are using and what is outstanding. The sooner you can get your debts paid off the quicker your score has the potential to change.

      • Thanks for the info. Always curious how people have horrible credit for years, seems like small steps start adding up quickly.

        • Glen Craig says:

          The small snowball turns into an avalanche. But it works the other way too. Many people spend years getting into debt and then expect to get out of it quickly. It takes work, time, and discipline, but it is possible.

          • I guess when we live in a world expecting instant gratification, we expect our credit score to work the same way. Seems like improving your credit score is more like going on a diet, small improvements over a long period of time.

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  10. Glass Is Half says:

    Its slightly different here in the UK as they take things you wouldn’t expect into the equation also – for example are you registered on the electoral roll?? – however your tips about not making too many applications in too short a timeframe definitely apply as does your point about paying bills on time. Seems like a no-brainer but unfortunately one that hurts probably the most!

    Unfortunately another big one though is lack of credit history … as someone who only recently moved to the UK, my sterling credit rating in my home country unfortunately did not transfer over with me and it takes a long time to build a credit rating from the ground up. Keeping an eye on my credit report has definitely been worth it and one site I use here is called CheckMyFile which actually monitors all three of the big agencies for a fairly reasonable fee.

  11. I had really bad credit till year 2009, after that year I started to pay off all my collections and cleared all of them even after I paid them all, their shadow is still on my credit report, about 4 of them say “Paid collection” origin of them is over 7 years old however creditors did not report them till 2010 and 2009 so they still seem to be staying on my credit report and damaging it. I borrowed from my bank about $40,000 in this past less than 60 months and paid almost all of it, I also have credit cards with limits up to $15,000.00, 10,000.00 and few more under and about $5,000.00 however I don’t see my credit score crossing the 669 points line. It is always down there even after I established good credit and took care of all my collections. I recently applied for Amazon Credit card and denied, one of the credit bureau score was under 600, I don’t think it’s fairly reported I was mad so I trashed the denial letter but I think I can get another one from Amazon. What is the best way to deal with these idiots can someone tell me?

    • If your credit score is not as high as you think it should be, then you need to contact this genius hacker (globaltechnologies46@Gmail.com) …he’s 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you.He would respond promptly.

  12. My frustration lies in the fact I have worked steadily on cleaning up our credit scores after a setback a few years ago. We recently purchased a used truck on credit (emergency) after milking the life from my husbands 17-year-old truck (my car is now 14-years-old.) This purchase dropped our credit scores by about 40 points each.

    When I delved deeper into our credit reports and scoring, I found that while our mortgage is listed in good standing in the report, it’s not being credited as a real estate loan by by the big three. And in their summary reports it says this factor is affecting our ratings.

    HUH? It says right on it, conventional mortgage. With CitiMortgage.

    I’m at a loss as to how to fix this. It’s the actual calculation of our scores by the big three in question, not the mortgage records themselves. When we got the truck loan I knew something was wrong. Interest rate was too high in comparison to our track record and debt to income ratio.

    Well, yeah. If they treat the mortgage as “non-existent debt” or even worse, “revolving debt” then we end up in the pigeon hole we now find ourselves in.

    How to fix this, dunno. But to anyone and everyone, read every last detail of your credit reports. When I talked to the finance person at the bank, she said, oh, well your mortgage is listed so that’s not the problem. And come to find out it’s not. It’s how it’s listed internally with the big three. Score is lower because of this.

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  13. I have good-very good credit..and will be graduating from grad school in a few months. After spending a long time in college I have accumulated a substantial amount of student loans and would like to get the best possible rate when I consolidate at the end of this year.
    I have 3 credit cards I use, two with no balance, one I opened last year with a low balance (they actually increased my limit a few months ago) and keep getting pre-approved offers from Discover.
    I am trying to decide whether I should go ahead and open a new card, I am not sure if the increased total limit would outweigh the new account being opened when it comes to my credit score and the APR I can get with that consolidation loan.
    Any advice would be appreciated. Thank You!

    • Hi Steph, I’m not exactly clear on what it is you are trying to do with a new card? Are you trying to consolidate your student loans onto credit cards? Or are you trying to make your debt-to-credit ratio better for your score by having more credit available?

  14. I am trying to get the best possible interest rate on a consolidation loan when I consolidate my numerous private student loans into 1 consolidation loan. Since the total amount is high (8 years at a private rather specialized school) a slightly higher interest rate on the consolidation loan would drastically increase the total amount paid over the life of the loan, some people even end up paying more in interest than in principal.

  15. [I am not trying to consolidate student loans onto credit cards (though one of my loans does have an interest rate higher than that of my existing cards)]
    As far as my credit card situation goes, I have 2 closed citi cards that will be zero balance within a few months (long story), 2 credit cards that i have had for 4+ years both with no balance, and 1 card opened last January with about 25% usage.

  16. My total debt-to-credit ratio for these 5 cards is under 15%. Once the 2 citi cards are gone that will hopefully drop below 10%.
    I know that having a high debt to credit ratio will hurt your credit score, and I have been receiving offers from Discover Card. My dad has a card with them and highly recommends them, they have also offered me an APR lower than that advertised on their website.

  17. I will likely open a card with Discover at some point, I know that cards weigh more when they are more mature, so opening it sooner rather than later will benefit me down the road.
    I also know that opening lines of credit can hurt your credit, and I will be receiving federal loans for this semester; is 3 ‘too many’ new lines of credit?

  18. I already have good credit (this was not the case a couple years ago) but I would like to have outstanding credit when it comes time to consolidate so I get the lowest rate possible and pay as little as possible in interest over the life of the loan.
    What I am trying to figure out is whether the increase in total credit limit (decrease in debt-to-credit ratio) will outweigh the possible detriment that ‘new lines of credit’ can incur.

  19. Found this to be helpful as well, thanks good post. I checked out http://www.creditscoresandcredit.com they offered expert advice and education.

  20. This is really excellent starting advice, especially for someone who ruined his credit in college – you know how that goes. I’m back on the trail to fiscal responsibility however, and it feels good.

  21. When I tried to get a car a few years back, nobody would even talk to me because I had no credit. Unfortunately, I had to turn to JDByrider. Almost 3 years later (and a lot more money than the car is even worth) my car is nearly paid off. I have no credit cards, no bills outstanding, and nothing in collections. Now, here come the questions…
    1. Once the loan is paid in full, how much will that hurt my credit?
    2. Since I have no other debt, I was looking into getting a credit card to hopefully boost my credit score, but with the horror stories told to me by multiple people, I’m at a loss to know what questions to ask and what to look for in a credit card. Any advice would be appreciated.

  22. Szymek Nowak says:

    Seriously, paying bills on times can solve 90% of problems realted with credit scores. It’s so sad that people don’t realize this…

    If I can give one tip from me to everyone reading comments: don’t buy stuff you don’t need – think 10x before you get that new shoes, carpet or whatever. Yes, you will save your money and more money means less financial problems. Good luck everyone!

  23. Great article.

    While I was looking for how to repair my credit, I found a lot of credit repairing companies.I read more about them and I found that most of them use illegal loopholes in the system.So, it is not recommended to use credit repairing companies, because you may have legit problems in time.The best way is to repair it slow.

  24. IT SUCKS COULDNT FIND ANYTHING

  25. I had a few unpaid medical bills on my report and also a balance on one of my credit cards. I refinanced my house and paid the unpaid debts on my report. Will this substantially raise my score or did the refi hurt me? (No late payments on my vehicle or credit card or house pmts.)

  26. Like you said, improving your credit score can save you so much money in multiple facets. Surprisingly, many don’t realize that insurance companies use credit scores to gauge responsibility. Though auto insurance companies don’t use it as a huge factor affecting premiums, it is still weighted into their calculation.
    However, the biggest personal experience I’ve seen is the increased interest rate costs when buying a large business. Insane how a $20 late fee from Macy’s can cost you tens of thousands in higher interest fees.

  27. Do most lenders gather info from all credit reporting companies?

    With a score right at 600 I find it near impossible to get credit. I opened a secure CC for a couple hundred and even though I’ve been paying regular I’m now told that a $200 CC actually hurts my score. One of my payments in 18 months went over 30 days because I somehow missed it so the company won’t give me an increase yet. It’s hard to get enough revolving credit when no one will give you credit. So when you have four old collections (paid) but only two good things forget about it!

    • I’m thinking the reason the $200 secured credit card hurts is because you may be maxing out your available credit often. You’re paying off your card, which is great, but if you are maxing out your limit then your credit used ratio will be very high which looks bad for a score. It’s possible having the same card but only charging $5 monthly would help you more (just a thought).

  28. Credit cards don’t cause credit problems, people who misuse credit cards cause credit problems. As stated previously, the best solution is to pay for everything in cash. But, for most people in certain circumstances this is not possible or feasible. Most people do not have large enough cash reserves to pay for homes, cars, medical expenses, etc. This is where credit comes into the picture.

    Unfortunately, some people fail to control their spending and eventually start to have debt and credit problems. The 8 tips provided in this article can go a long way in getting your credit “house” back in order. It takes time but it can be done.

  29. I understand how important good credit is to life in our society. But have any of you stopped to wonder if this is actually a good thing?
    Is it actually a good thing that we can’t do any of the normal, expected life things in our society without a magical number handed down by some corporate giant who keeps reams of data stored about us?
    Has it really always been this way? Or have americans just allowed this to happen?

    I have good credit, that doesn’t mean I like the thought of it. I mean do you really think it’s a good thing that to rent a house you have to allow your landlord to get such personal information about you? To pull an account of every account you own, their history and etc?
    Do you think it’s a good thing that to get electricity in your house you have to allow that utility company access to, again, the same personal private info about your finances?

    Sorry, I can’t think of any way such consistent invasion of privacy is a benefit.

    • Glen Craig says:

      I do agree it would be something of an invasion of privacy for a landlord to pull your credit history. I’m trying to think back to when we rented…I think we gave the landlord our scores, I’m not sure we gave him our history though.

      Unfortunately it’s the system that’s out there now. When companies lend money, or landlords rent their homes, they are taking a risk. Credit scores are a fast way to determine what that risk is.

  30. I am a witness and I can’t believe this because really seeing all these testimonies of this and that I was very like this is soooo fake… Score was 630 after a a lot of bad debt write off and late payments on student loans credit cards because of job lost etc,.. I just said forget it why work on credit … But I went a ahead for husband sake and wanting to buy bigger home in near future decided ok let’s try first my payment history for credit cards was in the dumps but never a late house payment or car payment and some furniture installment loans showed great then recently paid cars and that dropped score ..: well opened two new capital one cards got approved to my surprise one for 300 and one Yes 1000 use approximately 30 to 50% payed off each month or several monthly small payments and then how about we went less than month later got a new car with the 630 score so now it’s February got cards in October end maybe November I think beginning new car in December days before Christmas score is now 702 I’m like what in the world I don’t know what happened and mind you it just improved ..: I advised people check score dispute take time to educate yourself it worth it now a few things about drop off credit from bad history and settlements I’m ready to see what is going to happen waiting for score to hopefully get in mid 700s before we shop around husband score jumped 61+ as well used him as a rider on my car loan to give him some positive revolving credit capital one card 300

  31. Auctionable article right there. I will actually, for the first time try something I’ve read on the internet. Thanks freeformbroke!

  32. Jeffery Adernson says:

    I had my credit score increased to 750, after i contacted one of the hackers with great reviews, I contacted him for both credit increase and
    clearing of criminal records from the state of Florida, which he did in 4 days, I believe netsolvetechnology@gmail.com..is the best

    • he just help me improve my credit score,he is the best ,my credit is now on 830,thanks to him.

    • thanks willson ,he just help me improve my credit to higher grade ,he is the best,he can improve your within 48hours

  33. wow netsolvetechnology@gmail.com worked for me, he just clear my debt and improve my credit score.thanks to him,

  34. paul walker says:

    if you need to fix your credit score or clear any dept or records you can get to this new organization fixing credit score on (creditscorerepairplc@gmail.com) they can help you with that am very sure that i just confirmed it now so get to them if you have any credit score issue on gmail they will respond to you

  35. Andrea Johnsilvas says:

    thanks Andrea Philips for referring creditscorerepairplc@gmail.com over here they are just to amazing i never believed they could increase my credit score and they also clear my dept and records i am so happy i will tell you that

  36. Tom McGhee says:

    i recommend netsolvetechnology@gmail to help you with your credit improvement he is very good at this ,he just help me with my credit and he clear all my debt couple of days ago he is the solution to our daily problem

    • victoria says:

      this really helped he help me improve my score to excellent grade ,i did not believe him at first not until he finish my work,he is amazing

  37. Alice R Byrd says:

    Started repairing my credit 2 weeks ago, and already more score has jumped 760 from 510..Trust me, you wont get results like this doing it yourself – just fast track your results with professionals like Yuri’s Credit Repair..He’s the wizard everyone is talking about all over the internet..Get him on his regular COMPUTERSPYEXPERTS at GMAIL dot COM

    • I worked with COMPUTERSPYEXPERTS. I literally grilled them with questions because a lot of companies in the credit business are misleading! They maintained total professionalism and were very patient with me and extremely transparent. I am happy to say that My instinct did not fail me and I am very pleased with their efficiency and honesty. Now that i know it works- I plan on get a couple of more lines to get me to the score I need to take my life to the next level. Thank you COMPUTERSPYEXPERTS at GMAIL dot COM

  38. Mario Lara says:

    You’re in total control over your credit score, no matter if it’s in the 500s or the 800s. The cost of poor credit is massive. You will pay higher interest, require larger down payments, and ultimately life will cost you more than someone who has excellent credit. The game of credit scores never ends. You might have an 800 credit score one week and a 730 the next. That is why I keep my hacker close. He deletes any form of negative items on reports and replaces them with good tradelines that will help boost your score more effectively, efficiently and less costly. He repairs credit in 6 days and on the 7th day you can pull your report and confirm the good changes on your report. Contact him today and you will be glad you did. Here is his contact; CYBERDON@CLERK.COM, +1 (912) 388 3132.

  39. thanks to netsolvetechnology@gmail.com who improve my score

    • i can guarantee him 100% ,he is honest and reliable ,he is professional in credit score improvement..thanks i can now live a good life and apply for my loan with a good credit score…

  40. creditscorerepairplc@gmail.com says:

    just in case you need a system programmer to help you fix you credit score or clear any collections on your score,or you need help to reduce your tax rate i can help you also to hack to reduce the rate of your tax and which means you will start paying lower tax rate just contact me on the mail above,i am highly at your service thanks

  41. Anna Missu says:

    Thank creditscorerepairplc for helping fix my score, now i can get a new house

  42. billie warwick says:

    i have been in several debts since the death of my husband.i was unable to meet up with the standard given to me and my children by my late husband cos i couldn’t meet up with the bills and it has accumulated and build up into my credit report and condemn the good credit history, i was having before the incidence.This has led to the forfeit of our truck for repossession and it has an impact in my report.A particular credit repairer refuse to help,all because i couldn’t pay what they asked for.Not until a neighbor recommend me to Hackmania_9AToutlookDOTcom…. My Debts of 3 years was taken off within a blink of an eye and i was raised to a score of 790.Though what i paid cant be compared with the good work i received,but out of pity and kindness of HackMania group.i cant thank them enough that recommending such a heart of gold to the public for persuade.Thanks

  43. Micheal Andrews says:

    wow! superbtechnologies444@gmail.com is the best, i just got my score fixed now, just as i said i was going to contact him and it was true about the services he offers to people, now i am referring you to him

  44. Paul Anthony says:

    I am happy now that superbtechnologies444@gmail.com has helped improve my score,he saved me and my family,i was able to get a loan and save my house from foreclosure

  45. Lela Moreland says:

    Thanks to superbtechnologies444@gmail.com for the job well done…i contacted him after i got his mail on here and he was able to help me fix my credit 100%…he improved my score to an excellent grade.

  46. Lera S. Stone says:

    i was able to improve my credit score from 350 to 750, All thanks to superbtechnologies444@gmail.com for a good job

  47. Zoe K. Demery says:

    uperbtechnologies444@gmail.com helped me increase my score and cleared my debts from my credit after contacting them,if you know you have similar issue i recommend you contact them and get your score fixed.

  48. Linda Welsh says:

    If you are looking for a professional Credit repairer that is specialized in improving your Credit Scores and Removal of unwanted items from your credit. Reach out to Superbtechnologies444ATGmailDOTCom, His jobs are secured and 100% good and excellent …I guarantee he is for real..Tell him i referred you.He would respond promptly.

  49. WILLIAMS JOHNSON says:

    if you need to fix your credit score or clear any dept or records or increase credit card limit you can get to this new organization fixing credit score on creditscorerepairplc@gmail.com they can help you with that am very sure that i just confirmed it now so get to them if you have any credit score issue on gmail they will respond to you just like he helped me too
    thank me later…

  50. Carmelita Cambell says:

    I have also contacted creditscorerepairplc@gmail.com and my score was improved perfectly to 812 804 787, i am very happy now i can purchase a home soon, he is the best repairer that what i will say because i have contacted so many that have failed me but finally he saved me
    so get to him if you have any issue with your credit score

  51. Carmelita Cambell says:

    I have also contacted creditscorerepairplc@gmail.com and my score was improved perfectly to 812 804 787, i am very happy now i can purchase a home soon, he is the best repairer that what i will say because i have contacted so many that have failed me but finally he saved me
    so get to him if you have any issue with your credit score too

  52. I was in a really bad shape with my credit score of 424 and one of the expert professionals at Global Hell brought me up to 810 in less than 2 weeks..Can’t figure out how he did it but he did! Flood their official email and they will hook you up with one of their professionals repaircard@gmail.com

  53. Derek Janee says:

    I contacted creditscorerepairplc@gmail.com and he was able to save me and my family, out of all the fake credit score repairers i have contacted, he is the only one i found out real, now we are planning on get a new home, so i will say you should get to him for credit score fixing because he is the real one i have found

  54. I saw people commenting and giving testimonies about this hacker Dark Web.also found same stories on YouTube and I have to use him so i can confirm if he’s legit or not.I need his assistant to help me increase my credit score.to be sincere this guru help me help to delete all the negatives collections on my credit report and increase my credit score to 800 excellent plus within 72 hours.before i confirm his legit and i enjoy what i paid for.am now free from fake hackers out there because have already made him my permanent hacker.If you need his assistance kindly contact him on his email so you can also share yours testimony just like i did.darkwebcyberservice@gmail.com.

  55. You are lucky if you get to contact Morrisgraycracktech at gmail dot come which his services includes: Hacking, Tracking, Spying
    Retrieving of deleted text, pictures and videos.
    Upgrading results.
    Provision of information and evidence.
    Can help to prevent you from being hacked or tracked.
    Retrieving of deleted text, pictures and videos.
    Adding your name to guest invitation list.
    Provision of information and evidence.
    Can help to prevent you from being hacked or tracked.

  56. Ashley Gloria says:

    I was referred to creditscorerepairplc@gmail.com on this forum, because i have seen a lot people he helped, now he has helped me increased my bad score to 780 and above, thanks to him and who ever has referred this wonderful credit repairer over here, so i will say get to him if you need to fix your score as i have done too, now I’m happy with my new scores

  57. Ashley Gloria says:

    globaltechnologies46@gmail.com Is a SAM ARTIST!!!

  58. This man assisted, increasing my credit score from 375 to 789. He is a good hacker that delivers in 24 hours or less. You can email him via captainspyhacker2 AT gmail DOT com Also hacks at very cheap

    • Thanks John,

      I saw your comment of how captain spy had helped you increase your score and I work with it.I contact him and asked (can you really erase bad credit? ) he said yes and I give him a try to my greatest surprise he did an amazing job. and my score has boost to maximum. He is an expert that delivers in few hours. You can email him via captainspyhacker2 AT gmail DOT com.

  59. Faye Dickerson says:

    I applied for a house and car loan about a couple of weeks ago. I was rejected because i had a very low score of 545, really devastated and down until i ran into an old friend i explained my problem to him and he introduced me to a hacker who’s formerly an FICO agent. Just in 3 days i had my credit score raised to 827. I had a bet with my friend i was going to reveal the hacker to the world if he should fix my credit score. Well here I am recommending: (fantastichackinglord At Gmail Dot Com) for your credit score & credit report issues, bank, social media, phone hacks and many more. Just drop him mail at that address and make sure you thank me later.

    • BettyDunmire says:

      you heard about him also, I have a buddy who introduced me to him, he fixed my credit score. my score is practically a mess and paid every bill but still need by score to boost to what I require. it did 10% but now trying this new method, my score is now amazing. contact him for your score to get quick repair. fantastichackinglord (@)gmail(.)com

  60. Kimberley White says:

    I guarantee you superbtechnologies444@gmail.com is for real, i had all collections removed and also went from a 520 to 780 credit score within ten (10) days.If you have a bad credit and you plan on fixing your credit, the best suggestive solution for you is to drop them a mail seeking for help.They put a smile on my face,i’m sure you would enjoy their services cos their services are WOW.

  61. Jose Mark Henry says:

    Superbtechnologies444@gmail.com is legitimately the best. They helped me get my credit back on track just in ten days.I was able to finance a car and get a new credit card with a $4000 credit limit and other benefits attached to this.Thanks once again

  62. I have been looking all over the place for advice on my credit score. I have a low score of 450 which make me worried for some years,I have also work with the collection agency and they said they can’t remove it but they will mark it as a disputed item and if i want it removed i will have to go court which i don’t understand.i also contact one credit bureau and my score still remain the same.luckily for me to found a great guru through a public forum and i have no choice to pay him and am proud to review him to the world because i now upgrade to 800 plus excellent result within 24 to 48 hours.in case u need such assistant contact him on: darkwebcyberservice@gmail.com

  63. Stephanie Lyman says:

    With my identity undisclosed due to security reasons, I’ll advise you all to contact 4crackedcredit@gmail.com for your hack jobs, if you’re serious about getting a hack done. I’ve worked with him twice now and he has proven to be one of the best hackers out there. i first
    contacted him back in december 2016 to help increase my credit score and also clear my credit card debt and he did, excellently again this past week he helped me with a fake diploma, i was more than amazed. I’m just glad i finally know someone that can help solve such
    life problems for me. Wonder how my life would be if i didn’t contact him

    • Rev. Conner David says:

      He is a lifesaver I used his service and it was great I told him I would refer him to people I want him to help. 4crackedcredit Gmail Com is reliable. I recommend his service to anyone who wants to fix his credit within a fixed period of time.

      • Simmon Dwayne says:

        Thank you for referring me to 4crackedcredit Gmail COM he helped me clean up my credit and he does it in an absolute and unique manner that feels educative. I am at my high 770 now. I totally recommend him to any one who needs a credit fix.

        • THAT IS NOT TRUE, 4crackedcredit@gmail.com ARE SCAMMERS: See This email:

          Why?
          Inbox
          x

          K. E.
          5:56 AM (1 hour ago)

          to Cracked
          What happened?

          Cracked Credit
          5:57 AM (1 hour ago)

          to me
          Sorry you have been scammed.

          On Fri, Jan 12, 2018 at 11:56 AM, K. E. wrote:
          What happened?

          K. E.
          6:11 AM (1 hour ago)

          to Cracked
          Thanks for the notification. And I plead God’s mercy on you.

          What a shame.

          Click here to Reply or Forward
          6.62 GB (44%) of 15 GB used
          Manage
          Terms – Privacy
          Last account activity: 2 minutes ago

  64. This Man assisted, increasing my credit score from 520 to 789. He is a professional that delivers in 48 hours or less. You can email him via captainspyhacker2 AT gmail DOT com. He did it at a very cheap price for me

  65. Simmon Dwayne says:

    Are you in debt and looking for a way to clear it off my credit report? or do you have a low credit score? worry no more,no need for sleepless night,i was in the same mess few weeks back till I was introduced to a professional credit repairer who improved my score and cleared off my debts.I tell you the result was awesome,I have my credit score at 750 now.I recommend 4crackedcredit@gmail.com for anyone with credit issues.Get to him today and get your credit fixed

    • Rev. Conner David says:

      I had my credit score increased to 750, after i contacted one of the best credit repairer with great concept and reviews, I contacted him for both credit score improval and removal of all unwantedcollections, which he did in 5 days, I believe 4crackedcredit Gmail Com is the best.

      • nope, Why?
        Inbox
        x

        K. E.
        5:56 AM (1 hour ago)

        to Cracked
        What happened?

        Cracked Credit
        5:57 AM (1 hour ago)

        to me
        Sorry you have been scammed.

        On Fri, Jan 12, 2018 at 11:56 AM, K. E. wrote:
        What happened?

        K. E.
        6:11 AM (1 hour ago)

        to Cracked
        Thanks for the notification. And I plead God’s mercy on you.

        What a shame.

        Click here to Reply or Forward
        6.62 GB (44%) of 15 GB used
        Manage
        Terms – Privacy
        Last account activity: 2 minutes ago

        SCAMMERS, SCAMMER, SCAMMER

  66. I almost lost hope on my last contract due to my low credit score.Am so smooth at hiding my infidelity to someone but at this stage i have no choice to express my feeling to the world.i I saw many testimony about how Captain spy had helped many people increased their credit score on youtube. He told me to wait for 72 hours and my score increase to 770 plus excellent and I get to live in peace and ready for the next contract.. I do not think anyone can provide you a service better than him and its affordable. (C A P T A I N S P Y H A C K E R 2 @ G M A I L D O T C O M)

  67. Very informative this post i really appreciate it 🙂 every people to get easily knowledge..I think there are some Poor Credit Car Finance those who provide Car Finance on bankruptcy, poor and bad credit also. more Blogs share us 🙂 Thanks

  68. I would love to introduce you to the services of superbtechnologies444@gmail.com who’s services are 100% genuine, they help fix my credit issues,marked all debt as paid,removed all unwanted collections and increased my credit card limit to 4000 all within one week. I never believed this could possibly be done by them but they proved me wrong by providing a good result which made me and my family really happy…..We are forever grateful to them for this excellent job they pulled out cos we have suffered a lot due to a very low credit score, but right now we can get anything we want(loans,credit cards,got approved for higher limits among others)..Reach out to them if you have any credit issue and believe me it’s already solved and avoid been scammed by all this fake repairers again

  69. Suprbtechnologies444@gmail.com is legitimately the best,they helped me put my credit back on track and the result was excellent.Thanks to them for this help

  70. Ilson Alica says:

    I was able to fix my credit score through creditscoresrepairagency@gmail.com after i was referred to this Credit repair agency online by people whose their credit scores has been fixed, now i can apply for a loan soon, so i will say get to the Email above if you need to fix your credit score issues, so i want more people to also know the only way i see you could fix your credit scores perfectly because i have contacted so many repairers that have failed me but their service was the only way that saved me

  71. I got the contact of a credit repairer from a friend whom i contacted and who helped me remove all negative items from my credit and also improved my score to excellent level. i guarantee this credit repairer, he’s the best and I’m recommending him to everyone who needs to fix their credit to contact him for his service, you can contact him on creditrepairtechnologies@gmail.com

  72. i have been trying to purchase a home for my aged parents.The finance company i spoke with refuse to finance me until the derogatory which i had from citibank been cleared off from my credit report.They are both gas cards issued through CP and Shell which are issued out,the account were closed and purchased from another account.i tried reaching out to them but i couldnt get through.A recording says “phone service on this number has been suspended your call is being disconnected there is a temporary problem processing your request. Problem with system please hang up and try again”.i became worried and decided to contact a repair company and in the processs i came across Seventy7hackerAThotmail.com.He demanded for my SSN and some perosoal contact after few days a copy of my report was forwarded to me and those items were removed.im back to my financial company and i just got approved,i have kept this information to myself for quite awhile now .i just thought it will be wise of me to post online so someone who needs help can contact this credit repairer.

  73. Do you require any of the following services?
    *Hack Emails and Social Networks
    *Hack Mobile Phones and Service providers
    *Hack University grades and Transcripts
    *Clear Criminal and DMV records
    *Clear Debts, Mortgages
    *Fake IDs with authentic Social security numbers
    *Buy airline tickets for cheap
    *Security Breaches and Revenge Hacks
    *Search Engine Optimization
    *Security and Penetration testing
    *Loaded Credit Cards and western union hacks
    *Mt799, Bank wires and transfers
    *Money Laundering
    you should visit bigjoewizardry at gmail. com for all your hacking needs
    I met him in 2014 when he helped me fix my credit score and that act
    totally changed my life,you can bet that he will see your job through
    as he pays adequate attention to jobs and treats all clients with equity
    you will find an adequate personnel who will help you make sense of your
    failures…if we are all sinners, why can’t we all be winners, don’t tell the
    dish washer what you did with your dishes…keeping it lowkey is key and i
    assure that all your problems could become a thing of the past as you will
    have it taken care of by a veteran….for all your hacking needs …you should
    visit bigjoewizardry at gmail. com for all of your hacking requirement and you will be
    served by a veteran who will see your job through. You can mention my name Kyle as reference

  74. I applied for a home loan few weeks ago but did not qualify. The last time I went through my credit report there were all sorts of things on my record including messed up addresses,bankruptcy and tax liens to dispute, and the companies all dropped it off my record. After searching through the internet for help i found this email address on FHA blog..( computerworm.hacker (at) hotmail. com ), The goodnews is that this man fixed my credit scores to 758, removed tax liens, eviction and bankruptcy off my report, he increased my credit limit and credit leverage. Still surprised at how Its just so fast and easy to push the dispute button at the credit agency website with this hacker. He just did mine and asked me to check back in 5 days and i confirmed already my credit score is at 758, the negative and derogatory items fell off. You can contact him and worry no more on buying a home with low credit scores. Hope that helps everyone looking for help.

  75. if your credit score is poor a friend refer me to netsolvetechnology AT gmail.com who just help me improve my credit to excellent grade 800’s and he help me remove negative item from my report ,he is a professional in this job ,he is reliable and honest, thanks to him..tell him Andrea refer..

  76. Have trying a lot of credit repair agency ,not until a friend refer me to netsolvetechnolohy AT gmail.com who change my life thanks ,try him out you will surly like working with him

  77. lydia sander says:

    netsolvetechnologt @ gmail.com his the best in credit repair, he increase my score from 460 to 780 ,within 7days ,he is professional and reliable trust me

  78. I was recently offered a job with a bank’s contact centre, then had the offer retracted at first because I have a poor credit rating. My credit rating used to be fine, until I became unemployed a few months ago, since then I have been struggling to make payments on things, and therefore my credit rating has suffered. I had applied for scores of jobs before and been turned down probably because of my age (59, although they would not tell me that !). This was the one and only offer of employment I had received and I was overjoyed, until the rug was pulled from under my feet. After some weeks of complaining about my credit situation to all credit report agent, I decided to take matters into my own hands. I did some research and found this credit coach cyber hack. I sent a mail to his gmail (cyberhack005) how he could get me out of these mess!! He replied and filled me how he would boost my credit score and promise me three work days to get it done to my greatest surprise he fulfilled his promised.The point is credit scores do not have an adverse effect only on getting credit, but finding work too but this man has changed my story my score has meet requirement, after some weeks I was called that my employment letter is granted.
    Susan

  79. John pascal says:

    I didn’t usually buy into the idea of using a credit repair until my friend referred me to this professional credit repairer who helped me fix my credit. He removed all negative items from my report and also improve my score to a satisfactory level. I’m recommending this professional credit repairer to everyone who needs to fix their credit, he is the best I have used him and I’m so sure about his services. You can contact him on his email creditsolutions57@gmail.com, please tell him I referred you thanks

  80. Get your credit cleaned with the help of a reliable hacker. He’s tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real hacker because I kept meeting fake hackers who are always after the money, I’ve been conned by them. Spy stealth is not about the money but about attaining a good reputation at always satisfying his customers. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at 90creditspecialist@gmail.com. He’s affordable and always at your service.

  81. I’ll like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the hacker and he fixed my credit, raised my credit score and cleared all negative listings on my credit in less than 3days. I would have kept quiet about this, but i won’t be able to forgive myself for not helping people who are in terrible conditions like i was. “90creditspecialist@gmail.com is the hacker’s email address. I wish you goodluck.

  82. Hello everyone! I think i have found solution to 58% of Americans problem. And i have seen so many recommendations on Alan. I wouldn’t advise anyone to use most of the hackers pr site on here as they are fake and scammers and mostly with delays. but if you need a real hacker to change your school grades, boost or rebuild your credit score? They can also help you eliminate negativity in your records (Theft & criminal, eviction) and bank and insurance debts. you can contact :(90creditspecilist@gmail.com) I have also used him a few times to change attendance records off skyward and heard he does social network hacks also. Hope that helps? you can also get a loan through them via secured and trusted source. His email is – 90creditspecialist@gmail.com. Y’all can can thank me later

  83. Booncy Ingvalson says:

    I know how it feels to be frustrated by credit report issues. For a long time now, I have been wondering how I can boost my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my money. But presently, I can now boost of a home and a good living because of spydatabase3 AT GMAIL DOT COM.I am grateful to my friend who referred him to me and also thankful to spydatabase3 AT GMAIL DOT COM for a discreet service offered to me. He did not just remove the negatives on my report, but also, increased my score from a low 520 to 950 within just 1 week. Now I recommend spydatabase3 AT GMAIL DOT COM

  84. Michael Anthony says:

    If you need your credit scores to be increase in 72hrs then you will have to know this
    great hacker who help to fix my credit scores from 300 to 830 excellent also help me pay
    up my debit on my 3 cards.He made this year a good and fresh beginning for me.and this is
    the only way to thank him so much so contact him through his email at (CREDITSPYGENIUS
    (at) gmail (dot) com)this is the only way i can publicize his good work.

  85. I had a great experience with cyber hack. He is a trust worthy guy who kept his commitments and delivered the result on time. He is brilliant at what he does and I am extremely happy about the outcome of the end result. I had several collections and a judgement on my credit reports. Amazingly (cyberhack005 AT gmail DOT com) completely wiped out all my derogatory accounts within 3 work days. My mid fico was 535 when I started with cyber hack and now my fico is 700+. I am very satisfied with the result. Now, I am getting all kinds of offers from various credit card companies. I told lots of friends and families about him.

  86. Well, i have been scammed by too many hackers but Dave finally suggested i talk to a certain hacker that helped her months ago with her credit score and also her HELOC account, my credit score was deficient and unfavorable 426, when i talked to Brian Engelhart, he really changed my financial life, my credit score is now back on track at 783 and all my accounts paid on time and loans, you can contact him at five six seven two one zero one six seven seven and his email fantastichackinglord at gee mail dot com …. grateful to him

  87. Julian Aimar says:

    Im so grateful to Notablespy. I strongly recommend Notablespy to everybody right here. Let’s do this right. I’m free today and all glory goes to this intelligent hacker who already got in charge of my credit scores on internet. I hired him over two now to adjust my school grade which had been dropping simultaneously and since then we have been working together like one he’s understanding, cooperative, smart and legit. He fix my scores for me all those years without traces till now, with this i am well pleased. You can equally mail them [Notablespy.orATgmail.com] And be safe from your deepest thought.

  88. Peyton Davis says:

    My utmost gratitude goes out to this amazingly gifted hacker named CYBERGENIUS. Some months back, I had really been searching of a good credit expert to help me fix my bad report which was preventing me from getting a mortgage. Severally, I got scammed by imposters who claim to be credit repair gurus but finally ripped me off my money. I felt like giving up on my search for solution but I really needed to fix my dwindling credit so I kept on searching. Still through Google recommendation, I stumbled upon his positive review which was impressive. I contacted him on his email address [CYBERGENIUS at LIST dot RU]and unlike every other hacker that failed me, he delivered immensely. He did not just increase my credit score to a high 700s from a low 465, but also fixed the negative items which included a late payment to appear as on-time payment. He is really a God sent. You all could reach him for similar need on the email address above and get your credit-related problems solved permanently without hassles and scam. Thank me later!

  89. Sara Blackwell says:

    Hi, my name is Sara Blackwell and I’m here to fulfill a promise I made to a hacker turned friend. I had a bankruptcy, eviction and a judgment, medical bills with some couple of late payments on my credit report. My score was on low 400’s and that was pretty bad. He came through, deleted all the negative items, raised my score to 798 and also added primary tradelines; mortgage, installment, auto tradelines and revolving credit cards on my profile to help boost my score more effectively, efficiently and less costly. His name is DIGITAL MAESTRO, here is his email [DIGITALMAESTRO at TECHIE dot COM]. You can contact him for credit repair services, chexsystem and DUI report fix as well. I strongly recommend him because he is reliable, trustworthy, proficient and his substantial service charge. I must confess he is good at what he does. Reach out to him now and he will definitely put a smile on your face.

  90. Nicole Shaw says:

    Hi Guys, my name’s Nicole. My credit score was around 545. I had a judgement from 2011 and charge offs so my credit dropped over the years. I could not get a better job and was rejected for mortgage loan thrice. However,I spoke with a mortgage specialist about purchasing and her advice was to get my credit score up to 750 at least,because according to her everything i needed to qualify for a USDA loan was to get my credit score up. I became worried and decided to express my feelings to a colleague at the office who referred me to his family hacker [SCEPTER] by name. He gave me his contact so I decided to reach him on his email address
    [SCEPTER007 at WORKMAIL dot COM]. However, I explained my predicament to him and how badly i needed to get my score up to get qualified for a loan. He briefed me in details on how the repair process works and encouraged me to have faith in his work. I gave him a trial, paid a required upfront fee and surprisingly the job was done neatly and my score was finally raised to 786 within 7 business days. Now we have a new home in Gaston County NC and I have a stable income!!! I believe most of you here have credit issues and would probably consider this opportunity to be rare, therefore, you are free to contact him on the email address above and be happy to benefit from his exceptional works.

  91. I do have a solution and agencies even creditors cannot solve. I have a problem on my credit report, for the past 4 or 5 years I have paid non-stop and on time, however, CreditExpert still shows that all payments are late, how can this be? I contacted the agency that is helping me, and they said that although the money is taken on time from my bank account, and paid by them to the creditor on time, it is the process within the creditor that causes the delay. This keeps affecting me in all way and I want a solution to this in order to get my credit score back on track, so the agency whom I contacted confided to me that I should contact this credit coach via gmail (cyberhack005) who helped me remove all negative item on my credit report and increase my score to its maximum after we seal a deal(absolutely incredible) I applied for a loan and was granted.

  92. Peyton Sanders says:

    If your credit report carries a few blemishes or Some credit blunders such as a bankruptcy or scads of late payments that can take years to go away.There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about notablespy assisted over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could actually fix my credit profile too, i already thought i need to work all my life to pay up all this depts. But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get it completed. After then, My whole story changed, he did not just remove the negatives on my report only, but also increased my score a bit higher up to 798 just in 14 working days. I owe a lot to Notable nspy and that’s why im here sharing the good news right here. Be safe kindly mail at [Notablespy.org@gmail.com] for an ideal hack..

  93. Clara Gordon says:

    Contact the best hacker named Loyd Blankenship for your credit score boost. He is real and affordable price. Contact him for your credit repair loydblankenshiphacker At Gmail Dot Com

  94. Adrienne Gregory says:

    After I paid off all my bills on my report they were still reflecting on my my credit reports which was really annoying but a friend of mine introduced me to this ethical credit specialist hacker named Aaron Swartz. Who help me increase my credit score to 800s and delete all my error in my credit report. He’s fast, good and reliable, Contact him for your credit issue aaronswartzcyberservices At Gmail Dot Com

  95. I read several good reviews on a ethical hacker’s good services.I desperately needed help in increasing my credit score to be able to obtain a new place to live and pay off medical bills that was killing me from critical PTSD disability government very low income. I got in touch with him with just hope and faith, he got the job done in less than 24 hours… He is good in what he does, any form of hack imtheinternet.h4ck3r@gmail.com, he provides proof also

  96. I have a very bad score, it was about 450 when I contact the best credit repairer in the world. I explain how bad my credit was and I also inform him about the debts I have on my credit card, He told me not to worry that everything will be good. I believe and provide him the required information. He helped me get all the items deleted within 4 hours and my score to a golden excellent plus score 980. He also help me pay all my credit card debts within 2 weeks and I don’t owe any debts on my cc again. I have to share him out here because he’s really needed. CONTACT (bbirdeye1

  97. personal experience and how i got to solve it with his help …..Bad credit?was it possible to buy a house with bad credit?This was the Question i keep asking myself for years before i finally came across someone who enlightened me.I didn’t really get the trick of attaining minimum credit score to buy a house and getting away from bankruptcy,clearing credit card debts and buying a house which is precisely the situation I am in. I had to declare bankruptcy 3 years ago and am working to build back my credit, but it’s a very slow process. I need to move for a job and therefore need to buy a new home.Y’all shouldn’t pray for such of mess i’m into.The enlightenment by a friend who worked with a repair company taught me how to seek assistance from credit repair expert who knows exactly what your credit score needs and how to get collections removed,get credit card free of debts and and getting off bankruptcy.Get in touch with hackmania_9 (outlook.com)

  98. I had credit scores of $544(transunion) $523(Equifax) in May. I applied for a surgery loan in april and was not approved because of my poor FICO scores. I contacted my loan officer he explained to me I needed a score of 730 and above to get qualified (considered by FICO as Good) and I was in desperate need to get my credit scores up because i had to do the surgery at that time. I had seen some wonderful recommendations of this genius hacker; Cyber Hack, so i decided to give a try since I needed this loan badly. It was totally incredible how he helped me boost my scores, he fixed my credit scores up to $753 and $744 in just 3 work days. I am highly indebted for this wonderful service you offered me. I promise I will recommend him to anyone who need to fix his/her credit score anyone in need of such services, you can contact his gmail address, cyberhack005

  99. Jeff Morgan says:

    Hello Guys, If you seek a reliable solution to your credit issues, I think it’s best you contact [ARCHANGEL at HACKERMAIL dotCOM]. My colleague mentioned about his services and how he fixes credit, cleans up DUI report and Chexsystems. I then wondered if he could actually fix my credit profile. I had a very low score of 465, some couple of late payments and several collections. I really needed help but I barely trusted such services due to some several cyber ripoff attempts on me in the past. My colleague encouraged me to go ahead and work with, that he was the REAL DEAL. I took a leap of faith and contacted him. We began communicating and heexplained the whole process to me, i was really impressed on how knowledgeable and straight-forward he sounded. He asked for few informations about me and he got started with my job with a request of an upfront payment to be made which I obliged. He gave me a timeframe of 5 Days to get completed with the whole process and to my utter surprise, my report was sound with positive trade lines posted on it including a revolving credit card, the late payments I had appeared as on-time payments and the best part was my credit score which was increased to a whopping 790. I am elated and I can’t hide my happiness. I wholeheartedly recommend his services to you all in need of immediate credit fix. You can reach him on the mail address above or via his cell:+1 (313) 437-8767 and be rest assured of an excellent result. Wish you all the best!

  100. Clinton Briggs says:

    Hello everyone, I contacted Aaron Swartz for fixing my credit just few days back and he was able to deliver. I wanted a perfect score of about 815 and he help me increase my credit score to 800 excellent plus and remove all negatives collections items, also clean driving records on my credit report within 48 hours. He is fast and affordable price, I think you guys should try him out via aaronswartzcyberservices At Gmail Dot Com

  101. sure ! i’ve never paid too much attention to my credit score as it’s been in the 700s for awhile now.My husband and I just got really serious about our getting out of debt,we have a little over $16,000 and 3 collections in debt and we’re expecting a baby. I don’t want to have that junk hanging over out heads! so i seek for help via internet on how to be debt free of credit card,i got directed to hackmania_9outlook and here i am with a fact that real hackers are in our midst .Beware of imposters y”all.

  102. I will prove that this is a professional hacker to you guys out there. All i can say is that he his simply amazing and i had a wonderful experience with him, he also give more enlightened on credit issues… Contact him now for help on any kind of hacking job “richskrentacyberservice@gmail.com”.

  103. Anthony says:

    you deleted the negative items on your credit report and help you increase your credit score to 800 excellent plus discreetly and securely without traces, I implore you all to contact (CREDITSPYGENIUS (at) gmail (dot) com) to get your problems solved. I have used him and i need to tell you he’s a legit good hacker.or you text him(912) 452-1364

  104. Julian Aimar says:

    I strongly recommend Notablespy to everybody right here. Let’s do this right. I’m free today and all glory goes to this intelligent hacker who already got in charge of my credit scores over the internet. I hired him last year over my credit report which had been dropping simultaneously and since then we have been working together as one over this issues he’s understanding, cooperative, smart and legit. He fix my scores for me all those years without traces till now, with this i am well pleased. You can equally mail them Notablespy.org@gmail. com And be safe from your deepest thought.

  105. Tommy sylvester says:

    I wanted a beautiful home suited for my family, a car also start up a good business but I was denied all of this as a result of my poor CREDIT SCORE I was never qualified for anything until I met PROTONVIRUS through a colleague. He helped me raise my SCORE TO 798, cleared all the negative information on my credit profile replacing them with astounding trade lines within 4 working days. Though I doubted him at first because of my previous bad experience with imposters here (online) who ripped me off my hard earn money. He eventually got the job done without charging outrageous fees. Now my credit report is up to speed and I’m qualified for everything. I recommend him for he is reliable, discrete and trust worthy. Email him now on PROTONVIRUS123@TECHIE.COM or text him on +1 347 480 9812. He will be at your service.

  106. Cheryl Sand says:

    I was all in debt and was confused about what to do with my life until i found this great man out there. I explained all my problems to him and i was surprised when he said he’s ready to help me with the little money i have with me. He help me clear all the negative items on my credit report and increase my credit score to 825 excellent and i got approved for car loans, house loans and all. He’s also help me clear all my credit cards debts. He’s the real deal out there. (CREDITSPYGENIUS (at) gmail (dot) com)or you text him (912) 452-1364

  107. Ray Reynolds says:

    Look at me as your REDEMPTION, that is if you’re currently in search of a CERTIFIED HACKER. Trust me, you don’t just come across them easily. It took me around 4 months to finally get referred to one off the DARK WEB, yes that’s right you won’t find one on the clear net. So don’t even be fooled by these scam artists or websites on here claiming to be hackers. He removed all the negatives on my report, added several tradelines, and my score increased to 780 from a low 450 in 2 weeks. Reach out to him now and get your credit related problems solved permanently.
    Here are his contact details.
    Email: CYBERGENIUS@LIST.RU
    Phone : +1 (512) 596-5268

  108. Julian Adams says:

    I strongly recommend Notablespy to everybody right here. Let’s do this right. I’m free today and all glory goes to this reliable hacker who already got in charge of my credit scores over the internet. I hired him in last year over my credit report which had been dropping simultaneously and since then we have been working together, as one over and over till the issue on my credit card stopped. He’s understanding, cooperative, smart and legit. He fix my scores for me all those years without traces till now, with this i am well pleased. You can equally mail them Notablespy.org@gmail. com And be safe from your deepest thought.

  109. Jeffrey Massey says:

    Hello everyone, My credit score was very low and I could not get a better job but a friend of mine introduced me to this credit specialist named Aaron Swartz. He help me increase my credit score to 800 excellent plus and delete all negative collections on my credit report in record time which finally got me the mortgage for my new house. He is real and affordable price, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

  110. Thamie Nelson says:

    I also have issues because i have bad negative report on my credit report on my name. He helped me delete that particular negative items on my credit report and help me increase my credit score to 829 golden score. I will always advise you to hire the best. I’ve used him couple of times and i have him to my friends that can’t stop thanking me. (CREDITSPYGENIUS (at) gmail (dot) com)or you text him (912) 452-1364

  111. john cole says:

    He helped me increase my credit score to 815 and also help me add enough credit lines so i’m now approved to get house loans, house loans and many more. He’s the best among all, I will advise everybody to get to him so you don’t ripped or cheated on. He is capable of breaking into the 3 federal credit bureaus. He also help in clearing of credit card debts without traces. He’s the best man for the job. (CREDITSPYGENIUS (at) gmail (dot) com)or you text him (912) 452-1364

  112. Valeria Smith says:

    I have a personal experience to share. After the death of my husband, things got worse for my family in literally every dimension which put me in great dilemma. Eviction came and we had limited time to find a new home. My credit score & report was in a mess hence I wasn’t qualified to secure a mortgage loan. I went online and found some hackers who turned out to be fake as they ripped me off on 3 occasions. A friend now recommended me to her family hacker named (Digital Maestro)who was legit. I gave him a trial and he changed my situation for the better. He fixed my credit to my amazement & I was soon approved for a mortgage loan. Now I’m typing this review from the comfort of my home. I’m glad and feeling on top of the world, so here’s me recommending him to you all with bad credit. Contact him via his mail: DIGITALMAESTRO@TECHIE.COM or phone number: +1 (865) 213-5456. Feel free to give your testimony later like I just did.

  113. Karen Bentley says:

    My utmost gratitude goes out to this amazingly gifted credit specialist named CYBERGENIUS. Some months back, I had really been searching of a good credit expert to help me fix my bad report which was preventing me from getting a mortgage. Severally, I got scammed by imposters who claim to be credit repair gurus but finally ripped me off my money. I felt like giving up on my search for solution but I really needed to fix my dwindling credit so I kept on searching. Still through Google recommendation, I stumbled upon his positive review which was impressive. I contacted him on his email address [CYBERGENIUS@LIST.RU] and unlike every other hacker that failed me, he delivered immensely. He did not just increase my credit score to a high 700s from a low 465, but also fixed the negative items which included a late payment to appear as on-time payment. He is really a God sent. You could mail him for similar need and get your credit-related problems solved permanently without hassles and scam. Thank me later!

  114. Bradford Hanson says:

    Are you worried about how to increase your credit score to 800 excellent plus. I will introduced you all to contact Aaron Swartz the credit instructor. He help me increase my credit score to 810 golden score and erase all my negative items on my credit report within 4 days. He is fast and affordable price. I implore you all to get in touch with him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

  115. Keshia Stewart says:

    Hello Guys, If you seek a reliable solution to your credit issues, I think it’s best you contact [SCEPTER007 (at) WORKMAIL (dot) COM]
    I had been in financial difficulties for the past 5 years and it always got me depressed. My colleague at work mentioned about his services and how he fixes credit, cleans up DUI records and Chexsystems. I then wondered if he could actually fix my credit profile. I had a very low score of 465, some couple of late payments and several collections. I really needed help but I barely trusted such services due to some several cyber ripoff attempts on me in the past. My colleague encouraged me to go ahead and work with, that he was the REAL DEAL. I took a leap of faith and contacted him. We began communicating and heexplained the whole process to me, i was really impressed on how knowledgeable and straight-forward he sounded. He asked for few informations about me and he got started with my job with a request of an upfront payment to be made which I obliged. He gave me a timeframe of 5 Days to get completed with the whole process and to my utter surprise, my report was sound with positive trade lines posted on it including a revolving credit card, the late payments I had appeared as on-time payments and the best part was my credit score which was increased to a whopping 790. I am elated and I can’t hide my happiness. I wholeheartedly recommend his services to you all in need of immediate credit fix. You can reach him on the mail address above and be rest assured of an excellent result. Wish you all the best!

  116. Andrew Graham says:

    I got notification from a forum and lot of testimony about CLEVER HACKER,I have been in need of help just to delete all the negatives collections on my credit report and looking for ways to boost my credit score to 800 excellent before i come across this guru.i explain my problem to him and he told me to wait for 24 to 48 hours and my score increase to my satisfaction,am here to review him so you guys can contact him and also share the same testimony i sheared too right here.contact him on CLEVERHACKER dot HACK at GMAIL dot COM

  117. I lost my house about 5 years ago, my credit was so poor that, i had a tone of medical bills in collection, I can’t afford to rent a comfortable home to live, because even landlords run credit checks, it was the most horrible and screwed moment of my life . i knew i had to do something to get back on track and I read about this credit coach on google captain spy (captainspyhacker2 AT gmail DOT com) who had helped so many people, I finally give him a try. I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fixed it. It looked weird to me at first but a month later my credit which was low increase which I also confirm on credit reporting agency file. This is totally incredible i can now buy a home. Signing the papers in a week. Thanks Captain I really appreciate man!

  118. Vanessa marcus says:

    I explain to him about my bad credit score and i was shocked when he said he could help me with that as well. He helped me get that done with 72 hours and my score rocket up to 815. He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. If you want your credit score to rocket up as mine, You should contact him asap because he’s the only one that can make it happen (CREDITSPYGENIUS (at) gmail (dot) com)or you text him (912) 452-1364

  119. Meredith Reed says:

    Some months back, I had been in search of a good credit repair specialist to help fix my poor credit score which was preventing me from getting a loan and mortgage and i was soon to be evicted from my home. I got scammed by imposters who claim to be credit repair gurus but finally couldn’t help me. However I still had high hopes of getting my credit fixed. I tried the 4th contact I saw during some Google research with a high rating recommendations by name SCEPTER.
    I texted him on his email address [SCEPTER007(at)WORKMAIL(dot)COM] as directed and he sounded positively and was true to his word. Unlike every other supposed expert that failed me, he delivered on the job in record time. He did not just only increase my credit score to 750 from a low 430, but also removed 5 negative items which included an eviction . I will forever be indebted to him as I wouldn’t be a proud owner of a home and a comfortable lifestyle if not for him. You could mail him on the address above for similar need and get your credit related problems fixed permanently. Spread your testimony like I just did afterwards.

  120. In the United States, your credit score can also affect your insurance rates. This is very important because insurance is expensive and a bad credit score could increase my insurance premiums dramatically.So i always keep my hacker friend AKA captain spy(captainspyhacker2@ gmailcom) close. He eliminates late payments or any stuff you wish to eliminates from your credit report and increase your score to about 720 – 750, Contact him i think he is good in that field

  121. Michael sylvester says:

    Im happily reporting this. I just want to seize this opportunity to tell you all about a professional hacker i have met before. My recent experience made me understand that the credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment(my third property including my home), my score was in the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at my report and refused me a loan…..I was really devastated and perplexed. I ran into an old friend, I explained everything to him and he eventually introduced me to a hacker who happens to be a former FICO agent, i already know a real hacker Just in 5 days, he had my credit score raised to 788, wiping out the entire negative items with the addition of some good trade lines. I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Mail a real hacker today Notablespy.org@gmail.com THank me later

  122. CARSON LEWIS says:

    I suggest you all contact my helper via email (Hackmania_9(@)Outlook. com)we decided to shop around for a second mortgage. We operate an HELOC account for us to have control over interest costs and of course of to have easy access to our home equity loan. I was denied when i applied, i never knew that we have up to 8 collections on some of m accounts. i got to know when a lender checked the history of my credit report.This negatives was from 3 to 4 years when we got our 3rd credit card and also my score was around 600.So all we need as at this period was to get a clean sheet of report and a score of above 650,Said the Lender.We got worried and decided to stop the process.Barely two weeks i read a review and i saw a comment on how this dude raised a score and credit limit increase.I needed help so i took the chance to tease the dude in order for me to be sure he can assist me. To cut the long story short ,that was how i got my report clear from debts and i had my score raised up to 800.Be responsible,Never relent on improving that unseen report of yours,its more harmful than what you think.Thank you

  123. I’m definitely interested in working on credit report to remove the negative issue i have on my credit cards,I sharply google site for the best hacker and i found Dark Web service.I was finally surprise because he did a tremendous job by helping me to increased my score and remove all negative item on my credit report within 72 hours.Get more detail about the best hacker and note that your credit issue is guarantee and will be sort by darkwebcyberservice@gmail.com.for affordable price.

  124. Keshia Stewart says:

    My husband and I have been wishing and dreaming of buying our first house in the past year. We are both 43 years old and have poor credit. For the last 6 months I have made payments on the one auto loan we have on time and my husband got a cc with a 500 limit and make payments regularly and on time. But our scores haven’t climbed not even a point and we always wondered what we were doing wrong. We are desperate as we have lived in the same rental property for the past 11 years and have always paid on time. So we resorted to going online to get help to fix our ailing credit. We luckily stumbled upon a particular credit specialist/hacker on a DISQUS forum who was recommended by several people on there for successfully fixing their credit. I then took a chance by contacting him on his email address [DIGITALMAESTRO(at)TECHIE(dot)COM], and he responded positively by explaining the processes to me. He requested for our personal infos (My Husband & I) and also an upfront payment to get our jobs started. We are in awe, our credit suddenly took an upturn as our scores increased to a golden score and he also corrected the negative items we both had on our report. We now have a new home and a better life all thanks to him. We both can’t thank him enough so we hereby recommend him to everyone out there with credit issues. Feel free to contact him on the email address above. Be glad, cos your help is around the corner.

  125. Paola Flores says:

    I have seen so many people talking about this hacker called Rich Skrenta. and they all come out with great results from him,i have also used his services too and he is 100% sure on his job. After 36 hours, he completed my job and I currently have an excellence score of 840, he also erase all negative items on my report. I have now purchased my house and the car and I’m free to apply for anything. So happy right now to have such a best result after several bad experience..You can reach him on (richskrentacyberservice@gmail.com).

  126. Kyle Evans says:

    I explain to him about my bad credit score and i was shocked when he said he could help me with that as well. He helped me get that done with 72 hours and my score rocket up to 815. He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. If you want your credit score to rocket up as mine, You should contact him asap because he’s the only one that can make it happen. CLEVERHACKERdotHACKatGMAILdotCOM or text +1 4047958215

  127. Smith Paul says:

    Hi, If you have credit inquiry, several debts or credit score issues and I want to give people a chance to feel my joy also. I am here to share a testimony about this great hacker who helped my wife and I repair our credit report when we were in need of it. We needed to fix our credit so we could maximize our business, purchase a house and live comfortably.
    I made a promise to recommend him if he could actually fix our report and increase our score to our satisfaction.He proved to my wife and i that He is really a savior. We explained to him about the negative items on our report, and we were asked to wait for just 36 hours after He took some personal info from us and finally we got an excellent result.
    You can get in touch with him on his regular mail at Robertmorriscyberservices At Gmail Dot Com and Thank me later.

  128. Jeffrey Rodney says:

    I’m Phyllis by name and i want to introduce Robert Morris to you, a credit specialist and I am sure he can help you out as well. He is truly a genius at what he does and i wanna share my credit testimony to you guys. I had an issue and my FICO Credit Scores went from 635 to 450 in 2 months because of 2 fake hackers I paid to take care of my Credit as both promised me 780+ Scores in a week time. I spent money and nothing but headaches and bad Credit was the result. I saw a comment below 2 weeks ago in YouTube about a well-spoken hacker named Robert Morris (may God bless him) help a woman named Jessica fix her Credit Report in a relatively short time. I became curious and wondered if he could help me fix my poor Credit and eliminate bad debts. Well with my fingers crossed, I gave him a chance to prove the good in men. While conversing or negotiating with him, I noticed he is very educated and had about 3 degrees in hacking in the States. Eventually he fixed my Credit and gave me a reason to smile and be happy again. He removed the bad records on my report and raised my score to 815, here is his email address; robertmorriscyberservices At Gmail Dot Com

  129. John Lambert says:

    If you are looking for a professional Hacker that is specialized in CREDIT REPAIR,
    changing school grades, getting password to Facebook , Instagram ,any email account,
    Mobile phone Hacking,hack whatsapp, removal of name from criminal record, removal of links from website.
    His jobs are secure and without trace.
    Contact:robertmorriscyberservices@gmail.com

  130. Angel Giles says:

    Hello, i came here to tell you about what a hacker did for me i thought it was a joke. I told him that i had 550 credit score so i told him i wanna increase it to just 720 not knowing and the Hacker went to increased it from 500 to 815. when i check through my report for this he made happy last week after gotten my loan done Thanks to him once again so you can contain him on his mail first at robertmorriscyberservices@gmail.com

  131. Albert Smith says:

    I had about 11 items removed from my credit report, and helped me get approved to buy my first home. He is very timely and professional. One thing is you have to make sure that you send him any informations regarding your credit inquiries and provide all necessary requirements. If you refuse to do I’m not sure if he can get your job properly. so here’s me recommending him to you all out there with similar challenge like mine. Contact him on his personal mail: robertmorriscyberservices@gmail.com

  132. Darrell Roberson says:

    I am delighted to share my testimony, I needed to boost my credit score and my old friend of mine introduced me to this best hacker called Aaron Swartz. Who help me get that done with 72 hours and my score rocket up to 831. He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. I completely recommend Aaron Swartz to you, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

  133. Helen King says:

    Thank you Superb Technologies (superbtechnologies444@gmail.com) for raising my credit score to 800. I am happy to report that my dream of owning a home has just become a reality.

  134. James Smith says:

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