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!

This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.

Questions & Answers

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        8 minutes ago

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        Anney32 

        3 weeks ago

        I and My husband desperately needed help fixing our credit. We were facing eviction along with our daughter and almost 2 year old granddaughter. We were so tired of struggling and paying awful high rent because we couldn’t buy a house as a result of our poor credit. I went online and I read a lot of good things about Cybertycoon100 the credit expert so I contacted him via his email; Cybertycoon100 at GMAIL dot COM and number. I related my credit situation to him and he promised to help me fix my credit within 7 days. We got started and after 6 days he got back to me with a good news. He deleted all the nagging public/negative items and eventually raised my score to 794. We bought a new home and we are living happily ever after as a family. I strongly recommend Cybertycoon100 for your credit issues. thank me later

      • profile image

        gary301 

        3 weeks ago

        If you have bad credit, and you’re trying to rebuild your credit, and the suggestive solution is to contact Richardgreenblatt credit repair At GmaiL DoT CoM ,just get to him and tell your credit score issue, and believe it is already solved.they have the best credit repair program available.

      • profile image

        ChrisWilder232 

        3 weeks ago

        It didn’t take Robert Morris more than 72 hours to have my credit been repaired after going through a lot of credit negativity and erase all the past eviction off my credit report. He helped me to increase my credit score to an excellent rating of 820 approximately across my three credit bureaus report and got approved for chase auto loan worth $200k with a low interest rate.

      • profile image

        jeffry6252 

        3 weeks ago

        fixing of credit scores needs to be handled by a professional ,and that is why you can trust Richardgreenblatt credit repair At Gmail Dot CoM

        for your removal of negatives items from your report.He is passionate, always ready to help people get out of bad credit issue.i have worked with him and he is very capable and efficient, trustworthy when working with him. Get in touch with him and I assure you would Never regret working with him.

      • profile image

        josh3243 

        4 weeks ago

        I implore you to try your very best to hire only professionals. (Kevinmitnickcreditexpert AT gmail DOT com or (912) 380-8359)He will increase your chances of getting your job completed. I was lost with no hope when my credit score is below 450 and i was about to lose my great job, my car, most of my properties including my house because i was yet to pay the mortgage, I sit my best friend down and tell him all my problems and he then introduce me to savior of all time kevinmitnickcreditexpert AT gmail DOT com or (912) 380-8359. I contacted him and he asked for my info and i gave him all he needed to proceed with the hack. Behold! I thought it was a joke after which have funded the exploits and i was told to wait to 48 hours. He helped me hacked into the FICO and all and get my credit score boost to 820 plus and now, I got a new perfect job and had to pay my mortgage and i'm living my life in peace without debts and bad credits. All thanks to the great hacker alive! get to him through Kevinmitnickcreditexpert AT gmail DOT com or (912) 380-8359. He's real, swift and affordable. I bet you get to find me and thank me later.

      • profile image

        amosrios4362 

        4 weeks ago

        I checked out a few sites and i found review on Richardgreenblatt credit repair. This is a directory for people with evictions to view companies that can help them remove their evictions or help with their credit issues. If you need eviction help, clear off loans , credit card debt or new credit profiles then this is the place to pick an choose. I highly recommend Richardgreenblatt credit repair At GMAIL DoT COM. The best hacker to shop for eviction help services.

      • profile image

        Meganwalker34566 

        4 weeks ago

        Have you been finding a way to get your bad credit been repaired and get your credit score been increased across your three credit bureaus report then i will advise you to get in touch with him via GucciferCyberExpert (AT) Gmail (DOT) Com He helped me to remove all the eviction and erase my past credit record by cleaning up my credit report within short time without any delay.

      • profile image

        tzar2581 

        4 weeks ago

        I have been searching for a good credit repair company and a friend introduced me to Ovation Credit Repair but after 3 months they couldn’t help me raise my credit score which was totally a waste of time I started surfing the internet to find someone or another company to help and I came across this hacker who helped me raise my score in 15days from 506 to 700 and that was how I was able to get approved for my car loan. You can contact him on creditmaniacyberwizard at gmail dot com or call four six nine four two three five one six two if you also need to fix your credit score.

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        elijahabbott21 

        4 weeks ago

        I can tell you he’s the best I will refer to you. I used him thrice and I have him to my colleagues at work as well, He helped me get my wife caught while cheating and I have evidence against her in court, later I told him about my credit score. He helped me increase my credit score to 821 excellent and cleared all my credit card debt, loans etc I’m so happy now, He can handle any kind of hacking issues. Contact Richardgreenblatt credit repair At Gmail Dot Com.

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        Juliet Leigh 

        4 weeks ago

        A few months ago I was really worried about my credit because I needed a credit increase to apply for mortgage but now all that is in the past as spy stealth have erased all of the negative items on my report and my score has gone up drastically. I am so delighted with the way they handled my credit situation, you could tell they are experts. If you are looking for a competent credit repairer then spy stealth is the right one for the job. Communicate with him at spystealth . org at g~m~a~i~l dot com.

      • profile image

        MasonPaul229 

        4 weeks ago

        Robert Morris mailing address

      • profile image

        MasonPaul229 

        4 weeks ago

        Contact him at Robert Morris

      • profile image

        MasonPaul2129 

        4 weeks ago

        I never believe i could ever own a mine store here in California after been through a lot of natural disaster which hurt my credit score so much until i got rescued by this great hack name Robert Morris who really assisted me in getting my eviction off my credit report and raised my credit score back to 800’s then i could be able to get my first mortgage loan been approved within few days and added more tradeline to my credit report.

      • profile image

        MasonPaul2129 

        4 weeks ago

        I never believe i could ever own a mine store here in California after been through a lot of natural disaster which hurt my credit score so much until i got rescued by this great hack name Robert Morris who really assisted me in getting my eviction off my credit report and raised my credit score back to 800’s then i could be able to get my first mortgage loan been approved within few days and added more tradeline to my credit report.

      • profile image

        nakita234 

        5 weeks ago

        I recently decided to buy a home better suited for I and my 3 kids. I didn’t have the best, let’s say, track record with financials in my past and my credit was in bad shape I was sitting at 499 and i couldn’t apply for a home loan. I was very worried so i could just get a roof over my head. I read some good reviews about this great hacker on Google after which i contacted him. Unbelievably my score rocket up to 781 in 3 days. This hacker is the best thing that ever happened to me and my family. You can also contact him for all hacking services at: Richardgreenblatt credit repair At GmaiL DoT CoM

      • profile image

        ShaneMorgan229 

        5 weeks ago

        Contact him at Robert Morris Cyber Service at Gmail dot Com.

      • profile image

        ShaneMorgan22 

        5 weeks ago

        I never knew my credit score could ever increase above 800 excellent credit rating across the three credit bureaus and got the past eviction with the negative items on my credit report been erased away without no traces been found until i met this awesome credit repairer named Robert Morris who did an absolute credit repair job on my credit report file but i can’t just keep wondering how he helped me to fix all my credit mess.

      • profile image

        Abraham Norris 

        5 weeks ago

        It’s not over yet about your bad credit record until you can meet the real hacker who can help you to fix it up for you but i can assure you that GucciferCyberExpert at GMAIL dot COM would get your credit been repaired for you. He really helped me during try college days after i got approved for student auto loan which helped me through all my days in college and make it enjoyable for me.

      • profile image

        SamuelLarson232 

        5 weeks ago

        Don’t lose hope yet about your poor credit score because i can recommend you to a credit repairer who helped me to increase my credit score above 800 within few days after been through so many mess. He pulled off the hard inquires, bad collection and negative items off my credit report. I just got my house loan payment been paid off after i got the chase auto loan been approved within few week when i applied for it. Hit him up through his mail at CreditGhostHacker at Gmail dot Com

      • profile image

        costa301 

        5 weeks ago

        Thank you Richard!! I was referred to Richardgreenblatt credit repair with the understanding he could assist me with my credit…I was trying to buy a home. So I gave him the job and he got my credit report smoothly with no trace. Go for the best hacker alive, his email address is Richardgreenblatt credit repair At GmaiL DoT CoM

      • profile image

        MattBryant90 

        5 weeks ago

        Hello

      • profile image

        hill753 

        5 weeks ago

        Well i would advice you to reach out to this wonderful Richardgreenblatt credit repair At GmaiL DoT CoM, i think they are the only one that can fix your credit score perfectly,remove all unwanted collections and clear off credit card debt ,loans and above. I never believed this worked until they proved me wrong, now they the only one i can guarantee for you if you need to fix your score too. You can get to Richardgreenblatt credit repair so you won’t get scammed by other fake repairers again

      • profile image

        MattBryant22 

        5 weeks ago

        Hello

      • profile image

        Lela Warner 

        6 weeks ago

        He's an expert in repairing and increasing of credit score. He's the best in anything related to credit issues. All thanks to GARY MCKINNON for saving my life and putting me back to life. My credit score was below 510 when i met him and told him my credit issues, He helped me hack into my credit and help me remove all the negative items i have on my credit report and he also help me increase my score to 819 excellent plus and all is done in the range of 72 hours.(Garymckinnoncyberservice At Gmail Dot Com)

      • profile image

        Rosemary Stevenson 

        6 weeks ago

        I read about Aaron Swartz on Disqus a credit review site. I'll advice and guarantee you to get in touch with him for your credit solve. He help me clear off all the eviction from my credit report and increase the credit score to 819 excellent plus within 72 hours. He also help me pay off my Bank Account debts worth of $5,500 within few weeks, He is legit, fast and affordable price. Contact info AaronSwartz cyber services At Gmail Dot Com

      • profile image

        Chris Scott12 

        6 weeks ago

        I have never experience this kind of credit hardship for the past few years without getting a place to move in with my family so i just got a way how i could get my credit been repaired by one of the consistent credit repairer who i met a lot of good recommendation about him. I have to let him work on repairing my credit bureaus report and erasing all the eviction from my credit file. I just get to pay off my auto loan outstanding debt and got approved for a mortgage loan with low interest rate without taking much days before approval. For any credit assistance, contact him through RobertMorriscyberservice at gmail dot com

      • profile image

        tedray21 

        6 weeks ago

        Need a hacker?was in a bit of some really embarassing cyber issues which led me to meeting some scammers as well but my will to solve my issue eventually paid off when i met Richardgreenblatt,his workrate,professionalism and discretion is topclass.Hit him up At Richardgreenblatt credit repair At GmaiL DoT CoM , he's kinda picky though so make mention of the reference.Ted Ray referred you.You're welcome.

      • profile image

        KimberlyFord67 

        6 weeks ago

        Aaron Swartz is the best man I can refer you to. He help me increase my credit score to 831 excellent and He help me delete negative collections on my credit report within 72 hours. He also help me pay off my credit card debts of $8,500 within few weeks, He is legit, fast and affordable price. Contact info AaronSwartz cyber services At Gmail Dot Com

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        Alfred Santiago 

        6 weeks ago

        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. He helped 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. (Garymckinnoncyberservice At Gmail Dot Com)

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        Gerard Victor 

        6 weeks ago

        Say No to Unbelievable! Let me introduce this Believable Hacker and who you can commit your life to without any doubt his name is call Rich Skrenta. He save my life from debt of hood amount sum of 25,000$ and also clear my credit card of $5000 limit in just 5 days. He made me a man again thanks a lot and i promise to be forever grateful of his hand work! Get him on his reliable internet site at : RICHSKRENTACYBERSERVICE AT GMAIL DOT COM. He's 100% Legit

      • profile image

        ross301 

        6 weeks ago

        Few days ago I came across Greenblatt on a blog forum I contacted him and he asked for my info and i gave him all he needed to proceed with the hack. Behold! I thought it was a joke after which have funded the exploits and i was told to wait to for 3days . He helped me hacked into the FICO and get my credit score boost to 812 plus and now, I got a new perfect job and had to pay my mortgage and i'm living my life in peace without debts and bad credits. All thanks to the realest hacker alive! get to him through Richardgreenblatt credit repair AT Gmail DOT CoM. He's real, swift and affordable. I bet you get to find me and thank me later.

      • Tom Gilbert121 profile image

        Tom Gilbert121 

        6 weeks ago

        Are you in need of getting your credit been repaired just please kindly get in touch with him through RobertMorrisCyberService at GMAIL dot COM

      • Tom Gilbert121 profile image

        Tom Gilbert121 

        6 weeks ago

        Hello

      • profile image

        Lola Woods 

        6 weeks ago

        I spoke to a friend about the rip off have experience from fake hackers in a forum when am willing to increase my credit score to 750 plus.well am so luck because she introduced me to a hacker called (GARY MCKINNON) He helped my son and I boost our credit scores and he also helped me to clear my credit card debts and I was surprise when he made a drop on my credit card.I need you guys to benefit from this too. (Garymckinnoncyberservice At Gmail Dot Com)

      • profile image

        Troy 

        6 weeks ago

        Have you ever been denied credit for a car loan, New credit card, Home loan, employment, or even health care all because of your low credit scores?

        Worry no more as it's now the right time to take control and set up a new lifestyle for yourself.

        Our website has helped numbers of people boost their credit scores under a short time frame.

        Let us show you how you can stop being denied the good credit and the good life that you deserve.

        You can choose to visit our website "CYBERCLUE DOT NET" today for your own credit score repair.

      • profile image

        StanleyPhyllis 

        6 weeks ago

        I work Frequently very hard for two years to make sure my score get increase back from 460 to 700 above, now i'm Exhausted of working without seeing any improvement, So i try to contact this very know Hacker i meet on internet on there fast communication mail : PERMANENT CREDIT REPAIRER at GMAIL dot COM. He decided to help me and make my score up to 820 without any delay and took away bad collections and replace it with excellent collections.

      • profile image

        NathanMcdonald76 

        7 weeks ago

        If you are worried of paying off your Credit Card debts and Bank Account debt, I strongly recommend Aaron Swartz to everybody right here. I hired him last month and He paid off my Credit Card debts the worth of $8,500 and Bank Account debt worth of $25,000 within few weeks. He also help me raise my credit score to 800 excellent plus in 3 credit bureaus within 72 hours, He is legit, fast and affordable price. Contact info AaronSwartz cyber services At Gmail Dot Com

      • Lee Adams12 profile image

        Lee Adams12 

        7 weeks ago

        I never knew i could get out of this credit debt but thanks to my dad who recommend Robert Morris to me. I gave him a text regarding my bad credit score and he told me that he will get everything done within few days and i should get him some of my informations for the hack. After two days, when i checked my credit karma and my credit score has been upgraded to 802 excellent plus and erase all the Hard inquiries, negative items and pay off my credit debt on my credit report. Email him at Robertmorriscyberservice@GMAIL.COM

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        Delbertestrada112 

        7 weeks ago

        i wish you could get him in touch with this computer wizard because he really helped my family after he saved me from my cheating wife and help me to recover my lost files years back with some essential document. He helped my uncle to clear his name off eviction and help my daughter to increase her credit score and she could be able to get approved for her student loan. I can’t just thank him enough because he is just too mighty. You can email him at CreditGhostHacker at Gmail dot Com.

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        Marvin Henderson 

        7 weeks ago

        I’m very sure that you don’t know much about this credit hacker because i can’t stop thanking him for what he did in my life. He helped me to increase my credit score across all the credit bureaus and wipe off all the negative items on my credit report. 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 also. You can get in touch with him through his working email at GucciferCyberExpert AT Gmail DOT Com

      • profile image

        trevor392 

        7 weeks ago

        For some important reasons I needed to repair my credit report and increase my score so I can be qualified to apply for any loan, But I couldnt figure out a way until my cousin introduced me to a professional hacker, at first I was skeptical but I followed my instinct and he got my report fixed successfully within some few working days. you can email him AT Richardgreenblatt creditr epair At GmaiL DoT CoM. for all kinds hacks he is the best.

      • profile image

        Nathan Mcdonald 

        7 weeks ago

        I’m so delighted because Aaron Swartz help me fix my credit report with a marvelous way, He help me pay off my HELOC debt of $245,000 and He fixed my credit scores up to 790 in just 3 work days. He also help me pay off my credit card debts sum of $85,000 within few weeks, He put everlasting smiles on my face again. He is legit, fast and affordable price, Contact info AaronSwartz cyber services At Gmail Dot Com

      • profile image

        DominickByrd 

        7 weeks ago

        I was lucky to work with the Legit Hacker called Aaron Swartz, He was able to pay off my Old Chase Bank debt and clearing of Collections, Hard Inquiries, Medical bills and Student loans on my credit report within 72 hours. I’m very proud to say He is reliable, discrete and trust worthy, Contact info AaronSwartz cyber services At Gmail Dot Com

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        Lenwood Hoover 

        7 weeks ago

        i'm a military veteran and my credit was so bad i couldn't get approved for a VA loan. Imagine a veteran that can't get approved for a VA loan. I had to breach my principle and contacted a hacker by the name firewall breach expert. I saw his email, firewallbreachexpert (at)gmail (dot)com on a blog about credit repair solutions and he is amazing, my first time working with a hacker and i was completely amazed, he cleared my debts and increased my credit scores to golden scores within just a few days. And this made me realize solutions only come to those who seek it.

      • Wade Miles profile image

        Wade Miles 

        7 weeks ago

        Recently, i had issue fixing my credit score and removing lien from my credit report, i came across Robert Morris on here and i saw some useful comments about his credit service and stumbled on this hacker. He helped me to raise my FICO Score from 425 to 813 and clean up my credit report. He is very reliable and won't expose your confidential data to anyone because you will feel comfortable when working with him. His email is Robertmorriscyberservice at GMAIL dot COM

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        hickshanson212 

        7 weeks ago

        I had a low credit score and dont even have a single bank due to my criminal records. I have to consult my credit ghost specialist who helped me to raise my credit score from 452 to 780 excellent plus. I can boost of having 4 banks with 10 different credit cards worth $50k credit limit. He is very kind and fast about his services. You can get in touch with him through CreditGhostHacker at Gmail dot Com

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        Andy Ryan 

        7 weeks ago

        Have you ever worked with Guccifer Hacker 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 GucciferCyberExpert (AT) Gmail (DOT) Com

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        Samantha Guerrero 

        7 weeks ago

        I want to buy my first home but I couldn’t get approved for a loan due to my bad credit report. I came across a lot of recommendations about Aaron Swartz, I get in touch with him. He help me increase my credit score to 800 excellent plus and swipe all negative items on my credit report within 72 hours which now I finally got me the mortgage for my first home. He is reliable, discrete and trust worthy, Contact info AaronSwartz cyber services At Gmail Dot Com

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        roysilva2334 

        7 weeks ago

        Wow, credit hacks are nothing new these days. This actually was made known to me by a close friend who introduced me to a hacker by the name Richardgreenblatt, The hacker cleared the eviction i've had on my credit since 2009 and raised my equifax to 799 from 501. I'm still doing more jobs with him and i'll advise you help yourself, now. Here's his email, Richardgreenblatt credit repair AT GMAIL DOT COM

      • blakemathis12 profile image

        Blake Mathis 

        7 weeks ago

        My landlord filed an eviction on my credit report for past few years and i couldn’t be able to purchase any home ever since then because the eviction is not showing up on my credit file and couldn’t find a way to get rid of it so my sister had to introduce the hacker to me so he can assist me in wiping away the past eviction from my credit report. He had to increase my credit score to 814 across the Equifax, TransUnion and Experian report and got the past eviction been removed from my credit report. I think is he the most specialized credit repairer maybe you can reach him through RobertMorrisCyberService At Gmail Dot Com

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        RodneyHolland122 

        8 weeks ago

        I got Six revolving accounts and Nine installment account on my credit report which has been really messing my credit up and i have to hire a credit repairer who can assist me in erasing them off my credit report. Within few days, the hacker helped me to get them been wiped away from my credit report and boost my credit score by 200 points. He is a genius hacker without no doubt because he never let me down during the credit repairing process. You can mail him at CreditGhostHacker at Gmail dot Com

      • profile image

        MelvinCannon232 

        8 weeks ago

        When i filed up for bankruptcy earlier this year just to save my house but it was dismissed due to my credit record because i have been late on my credit card payment so I have to get in touch with this hacker who helped me to remove all the negative items and delinquent debt been paid off for me. He is one of the best hacker so far at the moment because i had a lot of credit experience with him since i have been working with him. You can email him through GucciferCyberExpert@Gmail.Com or Text via (224) 372-0949.

      • profile image

        TerenceGarrett 

        8 weeks ago

        I receive a lot of notification from a Disqus forum about Aaron Swartz, I have been in need of help just to erase evictions on my credit that got my denied for mortgage loan. He help erase evictions on my credit report and He help me boost up my credit score to 800 excellent plus within 72 hours. He also help me pay off my Chase Credit Card Debts with Navy Federal Credit Card Debts within few weeks and He is reliable, discrete and trust worthy. Contact info Contact info AaronSwartz cyber services At Gmail Dot Com

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        RobinsonGary 

        8 weeks ago

        PERMANENT CREDIT REPAIRER is greatest, honest,legit & supernatural hacker have ever meant and work with after have been ripped off 2 many times. I'm so confront with is services so far, they do all sort's of hacking job such as Erase criminal records, Removal of old credit score and Replace With New Permanent Excellent Score Of Your Choice, University Grades, Any social media account hack and so other more. you can get them on there fast communication Info AT: p e r m a n e n t c r e d i t r e p a i r e r AT gmail DOT com

      • profile image

        Smith Kelley 

        8 weeks ago

        My people money is the way of life! Nothing in this world is possible without money i realize this when my wife get involve in a car accident, i was unable to save her life because of our low income and not having health insurance but never the less i ran to get a loan but i was rejected for my low credit score. All Thanks to Rich Skrenta who help me expand my score to a maximum of 820 and introduce me to a loan company which i was able to avoid the hospital bill and begin a new life with my Wife and Kids. His Info (Richskrentacyberservice At Gmail Dot Com). you will never regret any of his services. Friends i refer you to him trust me He's computer internet gurus and Credit Specialist……

      • profile image

        Veronica Harmon212 

        2 months ago

        I got some public records and bad collections been puling me off from getting approved for a loan consolidation without knowing how to get out of this credit mess. My sibling introduce me to Robert Morris who helped me to get them been deleted off my credit report and raise my credit score from 452 to 826 with an affordable time frame. His service is the most guarantee and always convenient for me when working with him. Email him here at RobertMorrisCyberService At Gmail Dot Com

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        Willian Carter 

        2 months ago

        My wife had passed 2 years ago. We are use to sharing the bills the same way so it kind of affect my financial responsibilities when the bills started coming in I couldn't pay them on time, or at all as she leaves me with my 5 years old son and my 8 months old daughter so everything was really hard at that time (life insurance took awhile to kick in). my credit dropped from the high 700s to low 450s. After taking 3 years of pulling myself together getting my credit back in good standings was highly necessary if I wanted a home for my kids. I really need to set some standard for my kids so I reached out to godeye as i saw everyone saying they are the real deal and guess what? they were very helpful, but the real reason I've stayed with him is due to his great customer service in order to assist me. I deeply explain my situation when i emailed him and he knows my situation and has gone above and beyond to assist, educate, and listen to me. He help me increase my credit score to 790 excellent standard and I get to apply for loans and also to purchase a home without any issues. He also help me apply for credit cards that delivered to my address in less than 7 days with a good credit limit. I am still currently working with the godeye and my credit is still rising and am sure it will get to a high of 820 real soon, I don't have friends or family with credit issues, but the second I come across someone with credit issues, I'm sending them the godeye right away. You could contact him and let him know i referred you. (GODEYEVIEWHACKER at HOTMAIL dot COM)

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        Lenwood Hoover 

        2 months ago

        i'm a military veteran and my credit was so bad i couldn't get approved for a VA loan. Imagine a veteran that can't get approved for a VA loan. I had to breach my principle and contacted a hacker by the name firewall breach expert. I saw his email, firewallbreachexpert atgmail dotcom on a blog about credit repair solutions and he is amazing, my first time working with a hacker and i was completely amazed, he cleared my debts and increased my credit scores to golden scores within just a few days. And this made me realize solutions only come to those who seek it.

      • profile image

        Carrie Hogan 

        2 months ago

        I have looking through online credit website on how i could get my low credit score been increased across my three credit bureaus score report until i saw many recommendation about Credit Ghost keep pumping up on how he has really been helpful and useful to them by getting a lot of people out of their credit mess. I just got my first loan been approved within 5 days after my credit got repaired and just finish paying off my mortgage outstanding payment. You can get in touch with him through CreditGhostHacker at Gmail dot Com

      • profile image

        Timothy Morrison121 

        2 months ago

        I just met an incredible hacker through a credit forum website who helped me to fix up my bad credit report and increase my credit score above 822 across my three credit bureaus report. After few days, i went to check my credit score report through credit karma and can’t believe what i meant on there. i just got a new boat for shipping and bought a farmyard for cow rearing. Don’t hesitate to get in touch with him through GucciferCyberExpert at Gmail dot Com

      • profile image

        allen301 

        2 months ago

        It is not so usual of me to refer professionals online but I feel like I owe a lot to (Richardgreenblatt) who helped me upgrade my credit score and fixed my credit report in 3days. He increased my credit score to 780 and removed 8 negative items on my report which prevented me from getting a mortgage to get a house for my family. Now I'm typing from the comfort of my home all thanks to him ….You can contact him through his mail account(Richardgreenblatt credit repair AT GMAIL DOT COM).Give him a trial and you will be convinced.

      • profile image

        PatrickPaul232 

        2 months 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 Robertmorriscyberservice At Gmail Dot Com

      • profile image

        Clinton George33 

        2 months 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 Credit Ghost Hacker 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 CreditGhostHacker at Gmail dot Com

      • profile image

        olivermogan342 

        2 months ago

        Do you need an expert in credit repair? I will implore you to contact only the professionals so as to get yours done like mine within 72 hours. My score was increase to 799 within 72 hours and it was like a miracle to me because I couldn’t believe my eyes. Get to him for your credit issues and also any sort of hacking issues. (RICHARDGREENBLATT CREDIT REPAIR (AT) GMAIL (DOT) COM.

      • profile image

        Owen Daniel90 

        2 months ago

        First of all you have to note that not all those out there who pose to be hackers are real, i went on google in search of how to take off eviction from my public records and most people on different forums kept talking about a professional but they are all fake until a friend introduce me to the best and reliable hacker. His response to my mails made me calm and optimistic about the whole thing. I made a down payment for the job and he cleaned my public records in 2 days. it was a relief. You can Fix your credit report by contacting his email {GucciferCyberExpert (AT) Gmail (DOT) Com} and by the time he's done with your job, do not hesitate to spread words about his services to people in need of a professional hacker to avoid been scammed.

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