Increasing Your Credit Score from 550 to 750 in Twelve Months

Updated on May 3, 2016
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It seems like every day that I run into someone who tells me that their credit is seriously messed up and beyond repair, whether it be the result of a divorce, student loans, or old debts that they never paid off. Everyone thinks that their situation is worse than anyone's has ever been and that their credit can never be fixed. Does this sound like you?

Well, for you and all the people that think their credit can never be repaired I have news.

First, let's talk about the three credit bureaus and your credit scores. There are three bureaus that lenders use to check your credit. Some may use more than one, but the majority simply pull from one bureau. About half the time, when you default on a debt, it is reported to all three bureaus. However, it may also be reported to one or two of them. Each bureau scores in pretty much the same way. Credit scores go from 300 to 850. 300 is dismal and 850 is perfect. Most people that I talk to think that their credit score is around 300. However, after checking many people find that their scores are higher. It is definitely worth trying.

What Does Your Credit Score Mean?

Believe it or not, to get approved for a mortgage, car loan or any other type of financing, all you need, assuming you have the income to make the payments and employment and stable housing, is a credit score of 620-650 or higher. A credit score of 750 will pretty much guarantee that you are approved for whatever you are attempting to finance, and it doesn't take very long to achieve this kind of number.

Getting a Copy of Your Credit Report

The law allows for two instances where a person can obtain a totally free credit report:

  • Once per year.
  • When you have been turned down for financing based upon your credit report if requested within an allotted period of time.

The official site for the free yearly report is www.annualcreditreport.com. You'll have to verify some information so that they know it is really you. This site does have a function for online viewing.

What you want is a site that will let you pull a fresh copy of your report whenever you want, so that you can see how your efforts are affecting your scores. You also want a company that lets you view all three at once, in an easy format. The only company that I have found that offers these things is called Credit Check Total. I won't include a link lest someone think I am hawking an affiliate product (I'm not), but I do recommend them and use them myself. It's twenty bucks a month, but you can look at your credit report as many times as you want. Whenever I have had a question it's easy to get them on the phone and get an answer.

What to Do With Your Report

The first thing that you'll want to do is sit down and make a list of your debts. I would separate them into three categories, which I affectionately call:

  • Probably—Can pay off in one lump sum.
  • Possibly—Will take longer to pay off.
  • Hell No—Just can't pay off.
  1. Now, go through your list and cross off any debt with a most recent date of activity that is six years old or more. Generally speaking, a delinquent account can show up on your credit report for up to seven years from the time your first delinquent payment was originally due on the account. These debts will drop off by the time our twelve months are over, so we don't need to worry about them. One exception to this rule is a student loan, which will never fall off your credit report until it has been paid in full.
  2. Take a pen and paper and make a plan to pay off all of the "probably" debts over the next twelve months. You'll want to pay them off in one lump sum—,we'll go into why later, so make sure that you allow for that. If you only have $100 a week you can spare to pay these debts and the amount owed is $400, then allow four weeks for that particular debt. Remove the probably's from your list.
  3. Look at how much money you have left over and determine if you can pay off any of the "possibly" debts. If you can, make a plan for those and remove them from your master list. Now, you should be left with a few possibles and one or two "Hell No's". We have a plan for these, don't worry.

The Route to a 750 Score

There are two ways to remove negative items from your credit score, and one isn't to pay them. At least, not just to pay them. There is a process for paying off your debts and if you head into this venture gung ho and start calling up every creditor on your list, you'll do a lot more damage to your credit score than is already done.

First, let's discuss the two methods of removing negative information.

Method One: Pay the creditor and request that they remove the negative information. Basically, they withdraw their submission of unpaid debt. Some will tell you that they are unable to remove the information and if they are the original creditor, this is utter horse dung. They are perfectly able to remove it. Now, be forewarned, you may have to get tough with some of these creditors and explain that you are attempting to clean up your credit. Tell them that you are making those creditors who are willing to remove the negative information for payment of the debt a priority and if they refuse to remove it, then you will be forced to put them at the bottom of your list. They may threaten to see you in court and garnish your wages and take your first born baby, but in fact 99.9% of the time they will do nothing of the sort.

A different situation exists if the original creditor has charged off the debt and sold it to a collection agency. You'll know if this has happened, because when you call the original creditor, they will tell you to call so and so collections. Do not plead or argue with the original creditor to remove the debt or take your money. It will not work. As far as they are concerned you no longer owe them money, your debt was paid by the collection agency that bought your debt. Instead, simply thank them, hang up, and move that particular item to the "Hell No" column.

When we begin the plan, you will call one creditor at a time from your list of probably's, only after you have the money in hand to pay the debt in full. You will then attempt to negotiate a settlement for complete removal of the negative information from your credit reports (however many it exists on) and get that promise in writing from them, as well as the settlement amount. When you have it in writing, you pay that creditor and you move onto the next one.

Method Two: Obviously, we're not going to be able to pay everything on our credit report in most cases, so we have a different method for dealing with these debts. You are going to dispute them. Pick one debt per two week period and send a certified letter ( not a phone call, a letter) to the credit bureaus that list the debt and dispute it for whatever reason you can think of. You can say the dates are wrong, the amount is wrong or the debt simply isn't yours or it was paid.

A law exists that credit bureaus must remove negative information if the customer disputes it, and the company that listed the debt doesn't prove that the debt is owed and is correct within thirty days. Most companies fail to send it off within the thirty days and many may not even be able to find the records, especially if the debt is a few years old. However, if you send in too many requests at once you will be flagged as a frivolous disputer, and you won't get anywhere. Send one debt in every two weeks, or even more spaced out over the year period if you only have a few.

These two methods combined are going to remove almost all of the negative information from your credit report and will bring the score up considerably. However, we are not finished. At the same time that we are removing negative information, we're also going to rebuild your credit.

The Final Hurdle

The very first month that you begin this program I want you to beg, borrow, or steal $300 and get yourself a secured credit card. A secured credit card is one that works exactly like a credit card, but with the credit line secured by a cash deposit, which you usually receive back within a year of using the card responsibly. This is not a debit card. The money you secure it with is not yours to spend, it's your collateral to obtain this credit card. There are many companies that offer this service. Before you go shopping for one, I want you to find one that meets the following criteria as closely as possible.

  • Reports as a credit card not as a secured credit card.
  • Reports to all three bureaus.
  • Reports minimum quarterly, preferably monthly.

The first is non-negotiable. You must find a card that reports as a regular credit card or you will benefit very little from what we're about to do. The second is almost as important, since we never know which credit bureau a potential lender will pull from. The last, monthly or quarterly. Make sure it's one or the other.

Now, begin using the card to buy something each month that you were going to pay cash for. Put the cash away and when the credit card bill comes, for gosh sakes pay it.

Repeat in month three. Yes, I'm telling you to come up with another $300 and get a secured credit card from a different company. Use it the same way, spending say $10 a month and paying it off immediately when the bill comes. No late payments, no “I'll pay it next month” and no paying the minimum. Pay the entire bill off each month on both cards.

Finally, in about six months you're going to go shopping for a store credit card. These are quite easy to get with very little of a credit history and you should be able to get one quite easily. Then, use it just like the secured cards until the end of the twelve month period.

Conclusion

Use the credit checking website you joined up with to monitor your credit as you pay off debts, get them removed, and dispute others. You will also see good payments begin to appear and your score will begin slowly climbing up, gaining more and more momentum. With these steps, you should be able to move from 550 to 750 in a year. Good luck with your journey!

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      28 hours ago

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      5 weeks ago

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      Terrytucker220 

      5 weeks ago

      One of my small accounts had an INSF payment made and I didn't notice until it was already 30 days past due already i had paid the account in full before, Just that one account that had a 30 days past due added to my credit report devastated my credit score by 70 points and brought my credit score under 600. then i was back at square one from 3 years of rebuilding my credit in a matter of 2 months. At my very worries i talked to my co-worker about my credit issues and how i unexpectedly got a late payment red flag. he felt so sorry for me and he as well understand how i have worked so hard to keep a perfect score. He reviled a secret to me and said many Americans today takes this same step to move forward in life. He said he has a hacker that works for him and many good returns he has brought ever since he divorced his first wife, he said so much about him and how honest and intelligent he is. so i believe he can help me too. He linked me up with him and gave me his email, ever since then my whole story changed i don't have to work so hard anymore, i got easy asses to loan to set up my car dealing business. He deleted the INSF payment and also uproot other errors attached to it to keep me on a clean sheet. He was able to monitor my credit well and also reviled an excess payment i had once made with realtor Patrick Paul since 2016 in buying my newest house, he explain vividly how to go about requesting back my money from the realtor then i got my money back in a week. This person i am talking of is indeed a great helper to anyone that gets through him. Hes a professional in this field and easy to work with. Don't take life stressful its way easier elsewhere. Contact his email address correctly (NOTABLESPY.ORG@GMAIL.COM). Mailing him is your first step to progress.

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      Dan Weaver 

      5 weeks ago

      According to FICO statistics d improvement of people’s credit score have increased by 25% but how they got it improved was not discussed in the article. I kept wondering how would they have improved their credit scores until I make a research and found out that many had repair their credit through a legit hack while many had also been scammed by fake hacker. I had to be very cautious and sensible to choose a real hacker so I won’t fall victim. I interacted with many and I found out that only captain spy is capable for the job, I explained my credit condition to him and he promised he will help me get it done within 3 days, he further explained how he will get it done and asked for few details after we both fixed an agreement. He did exactly what he promised me all 4 inquiries on my report were removed and my score jumped to 810 (excellent). Few weeks ago I applied for a house loan and was granted after the lenders confirmed my credit report meets requirement. I will advice anyone to reach captainspyhacker2/AT/GMAILdotCOM

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      Orville Butler 

      5 weeks ago

      I got notification from a forum and lot of testimony about Gary McKinnon,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 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..Garymckinnoncyberservice At Gmail Dot Com.

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      austin stephine 

      6 weeks ago

      .Have you guys heard about Raymond Trollinger because I would have said its impossible until it happened to me, I met a credit instructor online who helped me get my problems off my neck. I’m so happy to be one of his eye witnesses because he helped me to restore my credit score and clean up my credit report. I just got approved for a loan last week and got my first house few weeks back but thanks to Raymond Trollinger i got everything back. You can mail him also for any hacking services at Raymondtrollingercyberservices At Gmail dot com/ text [214-702-8762]

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      LoisSoyring 

      6 weeks ago

      Are you worried about increasing your credit score, I recommend Aaron Swartz the best hacker at the moment. He helped me erase all the errors on my credit report and help me increase my credit score to 831 excellent within 72 hours. He also clear my credit card debt and he did excellently. I will advise everyone to continue contacting him because he’s the best at the moment, legit, swift and very affordable. Email aaronswartzcyberservices At Gmail Dot Com

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      mike stump 

      6 weeks ago

      Finally, I met this honest and reliable hacker because I have been ripped off so many times by this so called fake hackers who claimed to be real and professional before i came across Robert Morris as he helped boost my FICO Score from 464 to 832 and removed all the public records on my credit report. i really appreciate him so much and i promise him that i will always talk about his credit service to the world because i can’t afford anyone to fall into any more victims. You can get in touch with him through working mail at Robertmorriscyberservices@gmail.com.

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      euclides polcano 

      6 weeks ago

      Hello!! My name is Euclides Polcano i was really surprised that he helped me increase my score within few days and clear all my debts, even though I doubted him at first because he told me to pay the service fee before any action can take place and he got my report and in few days my credit score increased, he is very trustworthy and honest man.contact him creditspyexpert at gmail dot com or text (740) 480-1942, if you need help in increasing your score fast

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      Kimferrel 

      6 weeks ago

      Thanks you for some reason I find this question interesting and i am so happy and lucky to have mine (credit score) upgraded by this amazing CREDITSPYEXPERT, about 6 months ago I was referred to an hacker for a credit repair service and he was more than up to the task, in less than 7 working days he had successfully deleted 3 hard inquiries and raised my score by 480 points to 850, I thought this was temporary and after a few days the changes would disappear and clear all my bad recoreds, he asssist keeping my score high, congtact him CREDITSPYEXPERT@GMAIL dot COM or Text (740) 480-1942.

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      davemartinez22 

      7 weeks ago

      Take note of the way they all write . Oh I heard this , I tried that .. its all BULLSHIT. I used everyone of them with the intent of payment after Job and they all failed . They always kept on saying ooh this , need that , and just little to buy Blah Blah Blah until i met a reliable hacking god who finally helped me to increase my FICO score to 830 and hack my spouse credit card and phone you can contact him through his gmail Albertgonzalezcreditrepair At Gmail Dot Com. Never Trust Any, All scammed me.

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      LillianGoodman 

      7 weeks ago

      Everything was just down on me, My credit score was very low and I need to boost it up to apply for a mortgage loan. A old friend of mine introduced me to Aaron Swartz, Then i get in touch with him. He help me increase my credit score to 800 excellent plus and He also help me erase all negative item on my credit report within 72 hours. He also clear all my credit cards debts, Now i got approved for mortgage loan and I get to live a good life back. He is real and affordable price, he's a professional in this field. Contact him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com.

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      Melissa Hakins 

      7 weeks ago

      Something just happened to me which I never believed was possible by anyone until now that I met a credit repair hacker who helped me get my problems off my neck. I was in the depths of despair. I applied for a mortgage loan through Navy Federal and was denied. I found the home I wanted and time is of the essence. My credit needed to be repaired urgently and soon since I found my property. I had lots of charge offs, repo, and student loans. I needed the negatives all removed. But now I am so surprised to see the good changes on my credit report. Now I can provide shelter for my family. I am the happiest Man alive right now. Do reach him for help via TIGRESSBUZZ@MAIL.RU and he will definitely solve your credit problems.

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      David Cummings120 

      7 weeks ago

      I bumped into a credit forum website about hackers who could help me to fix my credit and whatever desired change you want e.g credit score increase, deletion of negative items and collections, wipe out debts. I was very desperate to get my credit been repaired so i contacted Robert Morris via his official mail. He explained the process and was very convincing and decided to give it a try with him. In 2 days, My FICO score went up to 820 and he got every negative items deleted off my credit report till now I couldn’t believe what I saw. I’m here recommending this hacker to you so you can email him for any credit issue at Robertmorriscyberservices At Gmail Dot Com.

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      WilfredRichards 

      7 weeks ago

      I saw people commenting and giving testimonies about this hacker called Aaron Swartz. Also found same stories on Disqus, He is the best man to fix credit report at the moment. I will advise you all to get in touch with Aaron Swartz to help you fix any of your credit issue within 72 hours, He help me boost up my credit score to 800 excellent plus and also increase my credit card limit to $16,500 within 3 days. His service are fast, secured and reliable without stress, Contact him on regular email for your credit issue aaronswartzcyberservices At Gmail Dot Com

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      Kevin Jim 

      7 weeks ago

      I never believe Rich Skrenta was the best because there are a lot of people keep rating on different forum not until he prove his skills on my credit score. He help me boost my credit score to 800 and erase all criminal records on my credit report within 3 days, Now i was able to apply for loan and also applied for a Chase Credit Card and Citi Credit Card with the limit of $3k limit each. I do not think anyone can provide you a service better than he do and its affordable, Get in touch with him on his regular email "richskrentacyberservice@gmail.Com"

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      Micheal Sylvester 

      7 weeks ago

      I feel very happy to share this great and wonderful testimony with everyone on this site. 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 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, he had my credit score raised to 788, wiping out the entire negative items with the addition of some good trade lines. i already know a real hacker Just in 5 days, I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Mail a real hacker today Notablespy.org at gmail . com You will be glad you did.

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      Michelle08Roy 

      7 weeks ago

      Hello My Names are Michelle Roy... I am here to tell you about this wonderful hacker who helped me solve my credit report to great view and erased all negative terms in my report.i get to know him by an uncle of mine and I contacted him through his mail and he did an excellent job for me.I really cannot explain in words how grateful I am so contact him on his regular email "richskrentacyberservice@gmail.Com" if you have similar issues

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      Melissa Hakins 

      8 weeks ago

      I was on the verge of loosing everything I ever owned due to debts and bad credit and I just didn't know if I could live with it. I decided to take a last step of faith to look for how to fix it and I went online. A friend already suggested a hacker called CREDITLORD to help me fix my situation but I wanted to be sure so I did further research and it turns out the hacker is highly recommended. I contacted the hacker, told him my situation and put my trust in him. Unbelievably, the hacker did what I thought was impossible,... He cleared my credit card debts all of them and fixed my credit score and report. I believe he is God's instrument and I can only testify,..,.. It's a miracle and I still can't believe it. The whole internet is buzzing about this hacker and I can't help but share my story. CREDITLORD is real and an angel so contact him on CREDITLORD@MAIL.RU or call +15068008261 if you have any debt and credit score problem...

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      DanLaing211 

      8 weeks ago

      Have you ever worked with Robert Morris because i can’t just imagine what he did for me. He helped me to raised my FICO Score from 470 to 823 and also create a good credit profile for me with an outstanding results. He is very fast and always render good credit services. You can get in touch with him through Robertmorriscyberservices at gmail dot com.

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      phyllis manning11 

      8 weeks ago

      I have been a victim of fake ass hackers who scam me for over six thousand dollars in bits this happened until my friend told me about a reliable and trusted hacker named albert, he’s a hacking god. He Helped me recover stolen funds from the fakes and also hack my spouse phone all i can say now is i’m a lot happier thanks to him. Don't be a victim of scams you can contact him via email on Albertgonzalezcreditrepair At Gmail Dot Com and tell him phyllis manning referred you. Thank me later.

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      Lynne Nichols 

      8 weeks ago

      If you are experiencing lots of problems on your credit report, get in touch with the best man at the moment called Aaron Swartz. He help me delete all negative items on my credit report and He also helped me to increase my credit score to 800 excellent plus within 72 hours, I have recommend him to a-lot of my client and they tested and confirmed his services. Get in touch with him for your credit repair on his regular email aaronswartzcyberservices At Gmail Dot Com

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      christopher1211 

      8 weeks ago

      Don’t ever let any shit to befall you because i could remember when i was still struggling with my credit few months back. I had a bad credit score of 524 with two delinquencies, four hard Inquiries and few negative items on my credit report. I got Robert Morris email through a credit forum website and decided to give it a try with him. I never believe this could be real because he helped me to increase my credit score to 823 excellent plus and erase all the negative items, delinquencies and the hard inquiries away off my credit report. He is very fast and reliable. You can mail him also for any credit issue at Robertmorriscyberservices At Gmail Dot com.

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      Brucecarroll232 

      8 weeks ago

      I have been through a lot of shit since my last divorced with my ex wife when she got almost all my properties since then i have been struggling with my life and couldn’t be able to come up with the bills. I have to sold my house and move in with my granny. I got a friend who introduce me to Robert Morris who helped me to get my credit score increased to 843 excellent plus and got approved for a loan worth $38k now i could boost as a house owner thanks to him. He never disappointed me and kept to his word but he is very fast and cheap. You can reach him at Robertmorriscyberservices at gmail dot com.

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      FrankMaguire212 

      2 months ago

      Have you guys heard about Robert Morris because I would have said its impossible until it happened to me, I met a credit instructor online who helped me get my problems off my neck. I'm so happy to be one of his eye witnesses because he helped me to restore my credit score and clean up my credit report. I just got approved for a loan last week and got my first house few weeks back but thanks to Robert Morris i got everything back. You can mail him also for any hacking services at Robertmorriscyberservices At Gmail Dot com.

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      ricky stanle1 

      2 months ago

      Be warned most of these so called hackers are imposters, I have been ripped off twice already and i always wondered how i could increase my FICO score and my friend introduce me to this most trusted hacker that work with discretion and deliver, he helped me to increase my credit score to 790 appromixamately. i will prefer you to him to let his serivices speak for itself. you can contact him through his mail account Albertgonzalezcreditrepair at gmail dot com.

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      anthony raines 

      2 months ago

      My name is anthony raines, I live in the state of florida. Our apartment got flooded back in November 2012, after I had a slip and fall on the apartment premises. We didn’t have the right rental insurance, there the bill came up to 122000 USD, they asked us to pay but we didn’t have money so I agreed to pay and made a payment plan and they refused and put eviction on my credit. I didn’t realize that eviction was on my credit until last 2 months I was trying to buy a house, and then the realtor told me. My credit score is 501, I don’t qualify for anything. I want American dream, I want to buy a house, I want to buy properties and start a business. I needed help and I found Richard here online, he is a good and kind credit repair hacker. He pulled my score to 800, deleted the eviction and other negative item on my report, and added good Tradelines. I got everything I wanted and even more thanks to him, Email him on

      Richardgreenblattcreditrepair At Gmail dot Com.

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      AnthonyCraig121 

      2 months ago

      When people say hackers are not reliable i do always feel depressed but i would love them to give it a try with Robert Morris because I’m just giving this a big chance to anyone that might need the help of this hacker who rescued me because few moths back I can't opened any account due to report on Chexy system but now i have 8 credit cards with 40k credit limit in total and i got 4 bank accounts. He also helped me to increase my FICO Score to 815 and clean up my credit report. Thanks to Robert, I’m now a House owner and i got my car loan approved also. You can reach him through Robertmorriscyberservices at gmail dot com.

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      Melissa Hakins 

      2 months ago

      My family has always been the most important thing to me. I was married, owned a home and had four kids. I was living the American dream until, one day, it came crashing down. My husband and I got a divorce and although I tried to stay afloat, debt seemed to overtake everything. The house I worked so hard to keep was foreclosed on and I was suffocating in bills. I filed for bankruptcy as a last resort, but still worried about how I would rebuild my credit. I got in touch with CREDIT FIXER and within 7 days he got my credit fixed, removed bankruptcy, debts, collections and hard inquiries from my credit report with his ethical hacking skills.

      I am now remarried. We are adopting my spouse’s nephew who has been with us since he was two days-old and my oldest son has started his first year of college. None of these major life changes have been easy or cheap, but having my credit rebuilt has helped make these changes possible for my family. Thanks to CREDIT FIXER , I believe the American Dream is possible and I am excited to see what the future holds. For your credit repairs I recommend you contact CREDITFIXER@MAIL.RU

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      Brain Walsh 

      2 months ago

      i had few bad public credit records Such as bankruptcies, judgments and liens where my credit score was affected badly. My wife referred Robert Morris to me who helped me to erase all the public records off my credit report and increase my FICO score to 845. He is very loyal and legit. You can mail him for any credit repair services at Robertmorriscyberservices at gmail dot com.

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      DonaldSMith212 

      2 months ago

      Robert Morris has always been good to me ever since i have met him and used his services all through last year till now and he is legit and real. This hacker helped me to hack into my credit bureaus and increase my credit score to 820 plus across all my credit bureaus and helped me to delete all my credit negative items on my credit report also indeed this hacker is great, reliable and affordable. i just want to use this point to appreciate the good work this hacker has done for me so far since last year, Thank you. Email him at Robertmorriscyberservices@gmail.com.

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      Robbie Weston 

      2 months ago

      It is wonderful to finally get hold of a trusted credit repair and restoration service that knows the ins and outs of the credit business. These experts also helped me with me FICO score and cleared my credit card debts

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      JohnKinney414 

      2 months ago

      I appreciate Robert Morris for helping me to increase my FICO score from 512 to 823 within 72 hours.You can contact him to help you for any desired credit Hacking Services. Robert Morris is an experienced hacker with a spare master key that no one could ever obtain. He can help you recover your bad credit score and also help you to wipe out any negative items on your credit report. And Stop being scammed by fake hackers. He can help you recover your lost Bitcoins , TBC, ETH and any bank transfer within 24 hours. You can mail him at Robertmorriscyberservices At Gmail Dot Com.

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      ElaineWerth8 

      2 months ago

      I just got out of bankruptcy and need to purchase a house is my utmost priority.During the seasoning period i came in contact with DARK WEB hacking service, I was told by few Lenders that i will be waiting for 6 month plus for FHA loan and i have a saving and a very poor credit score of 513 and two credit card debts from 2 years, I can't afford to pay higher interest rate because i need to fix my credit FICO score to 810+ and cleared all credit card debts in a stipulated time as promised.I just finally got approved for a loan of $50,000 with less interest rate thought the help of this private hacker and i am glad to review him to the word because is legit. contact him. darkwebcyberservice@gmail.com.

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      WayneSmith122 

      2 months ago

      I have tried so many ways in the past few months to fix my credit but non has been really effective like what my sister introduced me to which is literally making me happy right now. My sister recommend a professional hacker to me Robert Morris who was able to raise my score to 825 within 2days. He is very specialized in any Hacking Services like credit repairing, clearing of bank debt and he can help you to recover any necessarily information from your cheating partner. He can also help you eliminate any negativity on your credit records (Theft & criminal, eviction). Email him at Robertmorriscyberservices At Gmail Dot Com.

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      josh goodin 

      2 months ago

      I was lost in hope when i have debts consolidation and that keep pushing me back because it affect my credit score and also some late payments and i also have alot of negative item on my credit report i could'nt apply for loan to move my business until four weeks ago i saw a post on a man credit forum about credit report so i followed the step and contacted the hacker supprisly my credit rise up to 789 within two weeks . I can testify that he is a great guy.contact him on his gmail address below

      RICHARDGREENBLATTCREDITREPAIR@GMAIL.COM

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      Terrywatson217 

      2 months ago

      Robert Morris is one of the best credit specialist because he helped me to wipe out all my hard inquiries and negative items off my credit report. He also helped me to increase my FICO score to 805 within few days and also assisted me in clearing my mortgage payment. He is 100% legit and very affordable. You can reach him at Robertmorriscyberservices at gmail dot com.

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      Crystal Waston 

      2 months ago

      My name is Crystal Waston. I had five (5) clothes accounts which affected my credit score and I was blocked from getting car finance. I needed a fast and permanent credit repair service. I made a few consultations online for quick intervention of a good credit repair specialist and by chance I came cross LEVELSEVEN on a top hacking forum. I contacted him on the mail address (LEVELSEVEN@WORKMAIL.COM) where he gave me his number phone number (+1 713 510 9681) and asked me to text him for further discussion on the credit service. We had a discussion and he assured me that my credit can be properly fixed. He told me the process involved and I made an upfront payment to start the project. Days later, I saw tremendous improvement on my credit. My credit score took a big leap. I can't thank him enough for offering me such great service. I'm very happy writing this review to everyone here. Email him today on the details above and earn an excellent service. His service is highly recommended!

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      ChrisCarlson2322 

      2 months ago

      Everything just went down on me when i couldn’t afford to pay for my bills. I had credit inquiries and negative items on my credit report and I was referred to Robert Morris by my long time friend and Co-worker, Jeffrey who helped me to increased my credit score all across my credit bureaus ( Experian-812, Equifax-822, TransUnion-825) by hacking into my credit report. He helped me to clear my credit card debts, credit inquiries, mortgage bills and delete all the negative items on my credit report. You can contact him on Robertmorriscyberservices At Gmail Dot Com or text him on +1(657) 444-7620.

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      Thomashull433 

      2 months ago

      I was trying to improve my credit report myself, my credit score was 502 then dropped to a 472 disputing two credit cards and I could not get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few month ago, was searching around the internet and came across a credit expert linked with the credit bureaus who helped me increase my credit scores now i got 775. He told me it would take a few weeks to get it done approximately a month and kept to his word. Now I can apply for just about anything I can’t thank him enough and i knew i owe him this, get in touch with him today and make a bright future tomorrow. Contact Creditstream@instructor.net.

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      Jackie Crisco 

      2 months ago

      Hello Everyone! if you need a hacker to help you increase your credit score OR Clear your depth? these prevented me from getting a mortgage until I sort for help here. After he finished working on my REPORT in just 7 days, my CREDIT SCORE increased to 780, all the negative items on my REPORT were deleted permanently and he added good stuffs (Mortgage Installment , Revolving credit cards and Auto tradelines) on my report, I got the mortgage and I’m very happy, He is a trustworthy person, contacts him via CREDITSPYEXPERT@gmail.com

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      duke alonso 

      2 months ago

      They are true to their word! I dealt with 2 other companies big name and small name but MASTER CREDIT EXPERTS is the real deal! I got my score up by 120 points and all liens, late payments and inquiries have been removed from my report. I totally recommend their services if you are in need of a credit makeover.

      ( MASTERCREDITFIX at GMAIL dot COM )

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      sarahflord 

      2 months ago

      A friend of mine shared a testimony of him working with a ethical hacker he met online and how professional he is, so i told him to link me up with the hacker. I would recommend CREDITSPYEXPERT@gmail.com . but my friend keeps given more faith and decided to give him a try and my score finally increased within 24 to 48 hours and he also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy, contact him CREDITSPYEXPERT@gmail.com, I promise you will come back and Thanks me latter

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      JeffPatrick232 

      2 months ago

      I was reading about how to fix my credit and I found Robert Morris hacker on Quora forum. I have a low credit score of 512 with 12 negative items on my credit report. So i told him that i’m interested in getting mine fixed. He help me increase my credit score to 823 excellent plus and clear all negative items and hard inquiries on my credit report. i want to assure you that your credit information is safe with him and May God bless him! Contact him via Robertmorriscyberservices AT Gmail DOT Com.

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      Thompson Young 

      2 months ago

      Back in 2010, the heat wave which occurred here in Montreal, Canada; killed a neighbor and that always makes me to acquire a massive air conditioner to help protect me from the high temperature when it rises. Before this year's summer I desperately needed help in improving my credit score to enable me obtain a better and bigger air conditioner. I had late payments, repos and bankruptcy was filed judgments. I read severely good reviews on LEVELSEVEN effective service, so... I contacted him with so much hope in my heart and he delivered me from the miserable situation. My credit report is now in a better state. I acknowledge his effort and time spent fixing my bad credit. I recommend him to anyone seeking for a permanent fix. His work is excellent and he is trustworthy. Contact him via +1 713 510 9681, LEVELSEVEN@WORKMAIL.COM thank you.

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      WayneSmith232 

      2 months ago

      Everyone has a personal hacker story to share. And not the black-hat, identity-theft kind, either — no, when i hired a hacker to fix my credit score and he took him only just 36 hours to fix my credit profile. He increase my FICO score to 842 excellent plus and delete all the negative items on my credit report. And i have seen so many recommendations about Robert Morris so you can get in touch with him on similar credit issue. Email him at Robertmorriscyberservices at gmail dot com.

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      jeremywalker323 

      2 months ago

      if you would like an additional help beyond what you see in this hacker, I do have a great recommendation for you. when i first saw some recommendations about John Draper on a credit forum website. I couldn’t believe him yet until he helped me to increase my FICO score to 825 and deleted all the negatives items on my credit report. He is a loyal person and very kind. You can reach out to him at Johndrapercyberservices at gmail dot com.

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      jeremiahtollett 

      2 months ago

      HELLO! I’m so much happy right no and i can’t keep this anymore The Hacker CREDITSPYEXPERT did a wonderful job of helping raise my credit score!!I had three late payments which hurt me, but the lenders actually looked at my report and refused to grant me a loan. I related my problem to a colleague at the gym then he introduced me to a credit repair who's skills is top notch I contacted him via email: CREDITSPYEXPERT@gmailDOTcom for his service. He helped me fixed my report

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      georgerobert22 

      2 months ago

      I never knew a hacker could help to fix my credit score until i met one on a credit forum website and i saw a lady's comment so i sent him a mail and asked if he could help me to increase my credit scores and also eliminate eviction off court records. Then he replied yes asking me to provide him some of my information he'll need to run the hack. when i did just that, he completed the hack in less than three days at a price that's worth it. You can mail the hacker at kevinmitnickcreditservices at gmail dot com.

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      Rickjimen898 

      2 months ago

      I got a bad credit score due to my credit debt and some hard inquiry and ever since I have been stressed out. I didn’t understand much about credit when I got my first few cards. I failed to make payments on time and it lead to some late payment so I closed the three cards out. My uncle told me about this Hacker name Richard Greenblatt who helped me to increase my credit score to 815 and get a credit card limit worth $15k. I just got a new car few weeks ago thanks to him. You can reach him through RICHARDGREENBLATTCREDITREPAIR@GMAIL.COM.

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      AaronRogers211 

      2 months ago

      I met a hacker online named Robert Morris and he was the person that helped me to clear my name off my ITC and Experian. He helped me to clean the hard inquiry off my credit profile and He upgraded my credit score to 845 excellent plus. I just got a house and bought a semi truck here in Phoenix Arizona few weeks ago. You can mail him for similar need at Robertmorriscyberservices At Gmail Dot Com.

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      Crystal Walton 

      2 months ago

      I strongly recommended you use the expertise of this great hacker called b l a c k h a t l o r d at p r o t o n m a i l dot c o m for any hacking issues or issues related to the aforementioned. He'd helped me solve some hacking issues and I know he's a real deal with the way he does his job am sure anyone who really need the service of a real C/EH would be happy to work with this guy.

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      WilsonNelson2322 

      2 months ago

      I'm really grateful to Robert Morris for helping me to increase my credit score to 825 across my credit bureaus respectively and erase all my negatives items on my credit report. He also help me to delete all my mortgage payment history from the mortgage company database. Not up to two months now, i got applied for a loan after my credit score been increased so i just purchased my first house and my first car also thanks to Robert Morris. He is very fast and reliable, You could also mail him for similar need at Robertmorriscyberservices At Gmail Dot Com

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      Brian009 

      2 months ago

      I checked my credit score few months ago and it was around 330 because I had JUST messed it up and i need to upgrade it. Then a few months later it is in the low 300's. So i decide to explain to my friend if he have a good hacker who can help me get my score up and he introduce me to creditspy yeah to cut the story short he helped me crease my score form 300 to 800, i'm so grateful to him and this how i can appreciate his good work contact him now for good job and t doesn't affect it back and it dose not bounces back (CREDITSPYGENIUS AT GMAIL DOT COM)

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      TimekaKriens 

      3 months ago

      i was having trouble renting an apartment due to evictions i had on my record. I did the necessary, went online and founnd me a reliable hacker. He really proved himself to be one of the best out there as he cleared the evictions and raised my credit scores also. email him asap at firewallbreachexpert at Gmail dot Com if you have any credit related problem, tell him i referred you.

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      Melissa Hakins 

      3 months ago

      We were at the bottom then with no credit at all. Here we are after some months later, and our credit scores have raised over 250 points! Now we are getting ready to build our DREAM HOUSE on our DREAM PROPERTY. 

      I did not think, in all honesty, that I would ever see this day. Let me testify that we could not have done it without you all. Thank you JAVACOMPGEEK. Thank you very much. You held up your end of the deal and repaired our credit beyond belief. Contact him via JAVACOMPGEEK@MAIL.RU

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      BridgetDrake757 

      3 months ago

      I have some low credit score on my credit profile three months ago. I became worried and decided to express my feelings to a old friend of mine and he introduced me to his family hacker Aaron Swartz by name, He help me boost up my credit score to 800 excellent plus and He also delete all negative items on my credit profile within 72 hours. He is real and affordable price, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      AustinHarrison565 

      3 months ago

      Hello everyone! i hope you have seen a lot of recommendations about Robert Morris because i heard about him also few months ago and i decided to work with him. I told him that i wanna fix my bad credit score because i had some late payment history, hard inquiries and some negative items on my credit report if he could help me to remove them and increase my credit score. He told me that i should forward the information needed and told me to pay an upfront payment but i told him that i have lost a lot of money to some hackers and he gave me his credit repairing website so i decided to work with him. After the 3rd day, he told me to check my credit score through Credit Karma and i saw my FICO score in 820 and all the late payment history, hard inquiries and the negative items on my credit report was deleted because i couldn’t find them on my credit report anymore. You can ask him i gave him thousands of dollars for helping me to fix my credit because i can’t thank him enough and i will always be grateful to him. You can also get in touch with him through Robertmorriscyberservices at gmail dot com.

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      Valerie chartrand 

      3 months ago

      I can't just believe i could found a credible hacker who helped me with my score under five working days approval,If you are in need of urgent loan or any kind then you can apply for a loan by working with DarkWeb service and get various type.I believe real hackers work and they never advertise in such a gullible way and they did there work in a discreet manner. I'm now 790 score and all debts deleted which i held since 2016,I need you guys to contact him immediately via email and followed the steps just like he did to me. Darkwebcyberservice@gmail.com.

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      AmosWells212 

      3 months ago

      I didn’t know that having a good credit score is more important to your finances because when i had a bad credit score then i couldn’t get approve for any loan and life has been so hard for me until my brother recommend Robert Morris to me. He was the one that help me to delete all my negative items and remove all my hard inquiries from my credit report. He also help me to increase my credit score to 820 and paid all my credit debt on my credit report. He changed my life and now I can boast of having a home all thanks to him. I’m hereby telling you guys to give him a try so he can help you to fix any credit issues and he is very affordable. You can reach him through his working mail Robertmorriscyberservices@gmail.com.

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      AnnetteFlowers 

      3 months ago

      Hello everyone! Have been searching for great hackers out there but couldn’t get any until I met Aaron Swartz for credit specialist, He helped me increase my credit score to a golden score and He also help me get all the negative items deleted within 72 hours . He also help me pay all my credit card debts within few days and I don’t owe any debts on my credit card again. He is very trust worthy. Contact him for your credit issue on his regular email via aaronswartzcyberservices At Gmail Dot Com

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      Jerryporter3223 

      3 months ago

      Hello everyone, i have been struggling with my low credit score because i have a lot of negatives collection items and inquiries with some late payment on my credit report. when i heard about this credit repairer who helped me to wipe out all the entire negative collection items, inquiries, some late payment and helped me to increase my credit score to 800’s across all my credit bureaus respectively . I swore to reveal the hacker’s good will to the world if he should fix my credit. So I am recommending Robert Morris to you guys because he is really a credit specialist and very affordable. You can just get in touch with him anytime you have issue with your credit. Email him Robertmorriscyberservices@gmail.com or Text him (657) 444-7620.

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      JohnWallace6 

      3 months ago

      My credit score took a big hit after a failed business investment with a partner. It put me in a dire financial situation and made my loan payments late and far between among other collections. I sought the intervention of Lexington law to no improved situation or at least one to get me out of my situation in near time. I was online checking out forums on credit reports where I saw people sounding out credit specialists (hackers) who turned their different credit situations around for the best. I was marveled and wondered how it could apply to mine. I settled for one with moniker “CYBERGEEK”, I sent him an email and hoped I got a reply which I got few minutes later, the process began with me following his instructions, he gave me assurances my credit report would be worked on in a week max. And boy he delivered, I was in shock for days. The fixer got i and my family out of our misery, I’m sounding him out to show my heartfelt gratitude. His email: THECYBERGEEK@MAIL.RU and Cell: +1 (615) 592-0053

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      Melissa Hakins 

      3 months ago

      I am completely satisfied with the Hacker JAVACOMPGEEK Credit Solutions. He made something that once seemed so overwhelming and incomprehensible to me, seem so easy. I love that he is very personable and personally answer his email to any question that you may have big or small. So far I have seen a 300 point increase in my credit score over the last month. Anyone needing this hacker services should contact him via JAVACOMPGEEK@MAIL.RU

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