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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      Steve Ford565 69 minutes ago

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      HelenFerns 9 hours ago

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      DON'T LET HIM FOOL YOU 28 hours ago

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      Richard Hagen 5 days ago

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      Lambert Smith 9 days ago

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      Albert Chris 9 days ago

      I see lots of testimonies it’s only good I add mine. I suffered an accident in 2016 which did put a stop to my work and subsequently from earning. The disability checks was never sufficient to pay the debts and my bills so i needed a good credit score as a requirement in seeking loan to be able to pay bills and my debts but to my surprise i got referred to this so called Hacker { Robert Morris } to help me delete my credit inquiry and erase my debts. i guarantee he is for real because i remember when i was in bad shape with my credit score of 520 and brought it up to 780 plus excellent result within 24-48 hours to get it completed for me and i wouldn't have done it without him. SO i came here to testify for what he did for me and i will forever be Grateful to him and the least i could do is refer him to you guys . i hope i've been able to help someone out this way so you can reach him on his mail: Robertmorriscyberservices At Gmail Dot com

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      RosemarieGarner 10 days ago

      When I first learnt of Aaron Swartz on google recommendations, I thought it’s just like every other recommendations. I have met a lot of hackers on google recommendations ever since I start seeking for help on my low credit score from 2015. My old friend made mention of a hacker called Aaron Swartz who helped him fix his low credit score in relatively short time and amount. He help me increase my credit score to 850 excellent and He also add to my credit lines so i can get approved for house loans, surgery loans, car loan and many more. Get in touch with him on his regular email aaronswartzcyberservices At Gmail Dot Com

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      DonnaPeterson11 2 weeks ago

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      Todd McGuire 2 weeks ago

      Get your credit cleaned with the help of a reliable and efficient hacker. I had a very low credit score (around 420) and it was ruining my life. I needed help. This made me depressed as I have been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a positive sign to try him out. I almost gave up my search for a real professional hacker because I kept meeting fake hackers who are always after my money, I’ve been conned by them twice. CLEVER HACKER is not about the money but about attaining a good reputation at always satisfying his customers.He was able to raise my score to a 750+ score in a week to my surprise. I’m in an elated state right now so this is my way of showing appreciation for a job well done on my credit report. Reach out to him for help now [CLEVERHACKERdotHACKatGMAILdotCOM] . He’s affordable and always at your service.

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      MyrtleClarke 2 weeks ago

      This will be simple way to get a massive hacker. I google search on how to fix my low credit score. This affect me from buying a car, acquiring a mortgage or even a house, But a friend of mine introduced me to this massive hacker called Aaron Swartz. When i get in touch with him he told me to give him some couple of days to get through it and I gave the hacker guy a try. To my greatest surprise he help me increase my credit score to 823 excellent plus and cleared all negative collections item on my credit report within 72 hours. He`s the best out there, Contact him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      ElaineStanley1 3 weeks ago

      I am here to share a testimony about this great hacker called Aaron Swartz who helped me to increase my credit score when am in need of it. I needed to fix my credit score so we could purchase a house and live comfortably. A friend of mine recommend this credit specialist called Aaron Swartz, He help me cleared all the negative information on my credit report and increase my credit score to 825 excellent within 4 working days. I recommend him for he is reliable, discrete and trust worthy, Contact him for all sort of hack on his regular email aaronswartzcyberservices At Gmail Dot Com

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      larrycol 3 weeks ago

      Hi everyone my name is Larry. I don’t think any hacker is as good and honest as Derrick. I contacted DERRICK a credit specialist on a beautiful evening because I saw an ad online saying he could help people fix their credit in no time. I said to him, if this is true, I’m very interested in working with you to boost my credit so I can purchase a house this year and he gave me a positive response and told me to trust his work. I initially had a SCORE of 442 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. Within 1week, DERRICK completed my job it was unbelievable. Now I have a score of 796, he cleared all the negative items on my report and replaced them with some couple of beautiful tradelines. I have purchased the house and I’m eligible to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here is his Email DERRICKREPAIR@TECHIE.COM or text him on +1 413 477 4952 he will definitely put a smile on your face.

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      WallaceDouglas 3 weeks ago

      This has really worked and I am proud to testify of it. I saw a post on how to improve low credit score. I implore you all to get it touch with the best credit specialist named Aaron Swartz, He help me erase all negatives collections on my credit report and increase my credit score to 825 excellent plus within 72 hours. He is fast and affordable, If he could actually fix my report and increase my score to my satisfaction. I completely recommend Aaron Swartz to you, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      CARSON LEWIS 3 weeks ago

      You can probably get in contact with my helper via email (HackMania_9(at) Outlook .Com)we decided to shop around for a second mortgage. We operate an HELOC account for us to have control over interest costs and of course to have easy access to our home equity loan. I was denied when i applied, i never knew that we have up to 8 collections on some of my accounts. i got to know when a lender checked the history of my credit report.This negatives was from 3 to 4 years when we got our 3rd credit card and also my score was around 600.So all we need as at this period was to get a clean sheet of report and a score of above 650,Said the Lender.We got worried and decided to stop the process.Barely two weeks i read a review and i saw a comment on how this dude raised a score and credit limit increase.I needed help so i took the chance to tease the dude in order for me to be sure he can assist me. To cut the long story short ,that was how i got my report clear from debts and i had my score raised up to 800.Be responsible,take step about that unseen credit report of yours ,its more harmful than what you think..Thank you.

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      Antho03 3 weeks ago

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

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      alexander007 4 weeks ago

      I am Sgt Alex Briggs (rtd) 52 year old veteran of the US Marine Corps. I have been out of the corps for the past 16 years. It was all good the first 10 years of retirement but the past few years have been hell. I have a large family and business to run, my family got down to one small house, the other two were repossessed by the banks. I and my wife ran into debts owing to bad business investments and advice. Our joint bank accounts weere wiped out paying debts and servicing loans. Our credit score and reports were a mess. As the man of the house, i needed to take care of family, business and staffs who depended on their pay and wages. I sought help, employing the services of credit repair companies which did not improve the situation. They say google is your friend right? i got on the web asking questions and got directed to different forums and websites where i read comments of people in lesser and worse credit situation compared to mine. Surprising and new to me was the success stories of people who got their credit fixed by hackers. I was caught in the middle of fear and disbelief. I contacted few of the fixers and settled for one (CYBERGEEK) via his email (thecybergeek@mail.ru) on recommendation of a fellow military vet. It took me two weeks later to think about what i was about to get myself into, the information i was going to give out to a total stranger who is techie. But i was desperate and went with it considering he was recommended by a brother-in-arm. I gave all info the techie asked and payment for the programs needed, i went back to my situation hoping for the best result. To my surprise and happiness, my credit mess got a turnaround and face-lift LOL. Negative marks; inquiries, late payments, liens, repossession and charge offs were all removed. My score also went up a massive 344 points in 10 days, magic right? i agree!! I'm not sure what this hacker guy (CYBERGEEK) did but it was pure genius. He can also be reached on this secure line 615(592)0053. I AM A VERY HAPPY MAN NOW.

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      TerranceJames 4 weeks ago

      I never knew hackers could fix a poor credit score until i met credit specialist on a Disqus forum when i googled how to fix my credit score. I read a lady’s comment on how capable the hacker is good of solving issues that has to do with fixing poor credit score. He help me increase my credit score to 813 excellent and he removed all hard inquiries, delete all negative item on my report. He`s the best out there, Contact him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      Scott Peterson 4 weeks ago

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

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      Andrew Ethan 5 weeks ago

      Good morning friends. i am William David from Columbus, Ohio. I had an old civil judgment in public records and also on my credit report. I want to purchase a home earlier July last year but my credit issues will rather keep me from closing on a house therefore I needed my credit problem cleaned up perhaps making it look better than it was so I can be qualified for the house. I saw recommendations and posts from people recommending Cyber Mayor How he has helped people who have been victims of credit repair Issues. I was told that he helps people fix their credit within 72 Hours max. I reached out to him on his email address (cybermayor@writeme.com) asking him if everything I heard and read were Really True that I am interested in his service. He responded and further explained the process. We moved on and he actually did all he said he would do and now I’m happy sitting on a very high credit score (765) with zero negative items on it. so you can quickly hit him up for similar problems and get your credit issues fixed contact him now.

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      ClaraReynolds 5 weeks ago

      In case you want to increase your credit score to 800 excellent plus, I will advice you to contact Aaron Swartz the credit specialist. He help me erase all negatives collections item on my report and increase my credit score to 800 golden score within 72 hours. He also help me to increase my credit limit from $2,500 to $5,000 limit, He is real and affordable price. I implore you all to get in touch with him on his regular email aaronswartzcyberservices At Gmail Dot Com

    • Wheeler Jobs profile image

      Wheeler Jobs 6 weeks ago from New York

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

    • profile image

      EddieGreer 6 weeks ago

      For month ago I was really in an embarrassing financial dilemma due to my poor credit score which led me to meeting the best credit specialist named Aaron Swartz. He help me increase my credit score and delete all negatives items on credit report within 48 hours, He his one of the best credit specialist out there. Get in touch with him for your credit repair aaronswartzcyberservices At Gmail Dot Com

    • Lindageorge7095 profile image

      Lindageorge7095 7 weeks ago

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

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      CarmenBaldwin 2 months ago

      My problem started six month ago when my wife got seriously illness, I used up all my savings to pay up for the hospital bills and i also had to go way beyond my credit to make my her better. After it all i found out i was owing thousands of dollars in my account that i had to pay back but a friend of mine introduced to Private Investigator Hacker who is credit instructor. He help me clear my debts and also increase my credit to 800 plus within 72 hours. He is the best and affordable price, Contact him for your credit repair privateinvestigatorhacker At Gmail Dot Com

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      DarrelFleming 2 months ago

      I want to use this medium to thank Loyd Blankenship hacker for helping me to boost my credit score. He help me increase my credit score to 800 excellent plus and also increase my credit limt to $15,000. He is fast and reliable, You can also contact him for all sorts of social media hacks (Facebook, Whatsapp,IG etc.) Get in touch with him loydblankenshiphacker At Gmail Dot Com

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      AdrienneGregory 2 months ago

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

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      NoraWalker 2 months ago

      Thanks for this information, I was reading and I found Loyd Blankenship hacker on Quora forum. I have a low credit score of 413 with 15 negative items on my credit report, So i get in touch with him and he said his capable of fixing my credit issue. He help me increase my credit score to 850 excellent plus and erase all negative items on my credit report, he can fix any Credit Issue problem. May God bless him! Contact him via loydblankenshiphacker At Gmail Dot Com

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      JohnnyMedina 2 months ago

      I have a credit score of 415 and so many negative items on my credit report that are from 6 month ago, I also have a good mix of credit which is student loan and credit card. I have been declined of a car loan, A friend of mine introduced me to a ethical hacker named Aaron Swartz. He help me increase my credit score to 800 excellent plus and also delete all my negative items of my credit report. Contact him for your credit issue aaronswartzcyberservices At Gmail Dot Com

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      MarilynKelley 2 months ago

      My credit suddenly increased from 410 to 810 within a short time with the help of the ethical named Loyd Blankenship Hacker. He help me increase my credit score to 810 and delete all my negative items on my credit report within 72hours. He is real and affordable price, Contact him for your credit fix loydblankenshiphacker At Gmail Dot Com

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      ClarkWard 2 months ago

      My wife and I needed credit repair, So we contacted this best hacker named Aaron Swartz, We explained to him about all the negative items on our report, the total debt of the report was around $12,000. He helped delete all negative on my credit report within 72hours and proud to recommend him to everyone out there, I currently have a credit score of 780 and I believe i have really have come a long way from 420 credit score. When I saw my credit change I was grateful to him and this is a way of showing appreciation, Contact him via aaronswartzcyberservices At Gmail Dot Com

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      MirandaWest 2 months ago

      As a single parent with 3 kids, I wanted a bigger space for my kids to live comfortably as they grow older. I had to work really hard for this cause. My credit score was 705 so I thought I stood a chance of getting a loan for my new home. While seeking for a loan, I realized my report wasn't in a good shape. I had some negative items preventing me from getting the loan I sought. I resorted to looking for means to clean up this mess so I could possibly get the house I required. I got a recommendation about a certain hacker highly regarded from a friend after a wasteful search online for about 3 WEEKS. I decided to give him a try after all, and contacted him on his email address [SCEPTER007@WORKMAIL.COM] where he requested for some infos and explained the repair processes & time frame to me without charging outrageous fees. I was optimistic and surprisingly, within 9 days, my report was in a good shape with all the negative items erased and my score increased to 791. I am gradually buying accessories for my new home and my kids are so happy. All thanks to SCEPTER for coming through. Reach out to him on his email address above to get your credit fixed right now to avoid been scammed by impostors parading online. He's just the best and a rare gem, feel free to thank me later!

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      DiannePage 2 months ago

      Get your credit score increase to 850 excellent plus within 72 hours with the help you ethical hacker named Aaron Swartz. My credit score was 415 and it was ruining my life, When I saw my credit change I was grateful to him and this is a way of showing appreciation. I have a good credit card utilization, zero late payments and a lot of other various mini information that ensure that i have perfect credit till i die for insights and all credit repair. Contact him via aaronswartzcyberservices At Gmail Dot Com

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      MelissaPerkins 2 months ago

      I have been battling to get a Loan because of my low credit score but a friend of mine introduced to a wonderful hacker named Loyd Blankenship. He help me increase my credit score to 750 excellent within 48 to 72hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair loydblankenshiphacker At Gmail Dot Com

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      nylarred 3 months ago

      Are credit hackers legal? Never heard of such a thing

    • profile image

      StephanieFletcher 3 months ago

      I have spent alot of time online looking for a way i could get my credit score increased and get my negative items cleared have tried alot of sites online and none really worked out, A friend of mine introduce me to this great hacker named Aaron Swartz. He help me increase my credit score and clear negative items within 72hours, I don`t think anyone can provide you a service better than him and its affordable. Contact him aaronswartzcyberservices At Gmail Dot Com

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      Jtodd 3 months ago

      I have a question. For those that have sold your debt to a collection agency and that agency refuses to remove their reporting for payment, how do you handle that? Just dispute it to the bureaus? What if that doesn't work? Would you pay it?

    • Wheeler Jobs profile image

      Wheeler Jobs 3 months ago from New York

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

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      TerrenceCaldwell 3 months ago

      I wanted to get a house but had bad credit and needed to get my score raised. I tried different hacker but they failed until a friend introduced me to best hacker named Aaron Swartz. He help me increase it to 780 plus excellent within 72 hours to my greatest surprise and I get to live in peace with my family again. Get in touch with him today for your credit score upgrades asides the fact that i was provided a permanent solution to the service he rendered me but he gave a very efficient customer experience. Contact aaronswartzcyberservices At Gmail Dot Com

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      Johnson Ada 3 months ago

      I have work really hard, I don't have any collections or past due debts anymore, I have a 500 credit score on the 2 bureau's a can see and a 600 FICO score. My last late payment on a credit card was 8/2016. I work full-time, for 3 years, for a major Courier company so I have job security and steady salary. The mortgage companies tell me that the "VA automated system does not like my credit, and won't pre-approve" I couldn't get pre-approved for a mortgage I was really frustrated, then i asked my friend who works at a credit company if there's anyway i can get help, he told me how he has refereed people who needs help to COMPUTER.SURGEON at GMAIL dot COM. i had to mail him for help. I reached out 8months ago and i'm on 802 standing score right now and credit cards with good balances. Trust me on this and email them today, you'll be forever grateful.

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      emily cole 3 months ago

      I contacted Trust hacker CyberHacker, a credit specialist on a beautiful evening because I saw an adonline saying he could help people fix their credit in no time. I said to him,if this is true, I’m definitely interested in working with you to improve my credit so I can purchase a car this year and he gave me a positive response. I initially had a SCORE of 587 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. After a week, Trust hacker completed my job and I currently have a score of 840, no more negative items on my report infact they were all replaced with some couple of beautiful tradelines. I have purchased the car and I’m free to apply for anything. So happy right now because it’s surprisingly amazing to ascertain such a result after several bad experience..You can reach him on cyberhacker906 AT gmail.com

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      Lola Flower 3 months ago

      a friend of mine referred me to this wonderful credit score repair spydatabase3@gmail.com, my score was very low before i contacted him but now he has helped me changed my life by improving my score to 805, now i can get a new home soon, so if you have any issue on your score too just contact him and say all issues to him and believe me you will surely get it solved, thank me later too

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      NoahGriffin 3 months ago

      Hello everyone, My name is Noah Griffin I am here to fullfill a promise i made to a hacker friend. I had a bankruptcy, eviction and a judgement with some couple of late payments on my credit report. My credit score was on a low 380’s, that was really bad. He came through,he deleted all the negative information and increased my score to 782. His name is Aaron Swartz, You can contact him for all kinds of credit repair {aaronswartzcyberservices At Gmail Dot Com}

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      Stan Michaelson 3 months ago

      I would love to introduce you all to the services of 'CYBERGENIUS{@}LIST.RU' whose services are 100% real and genuine. He helped fix my credit issues, marked all debts as paid, removed all collections & increased my credit card limit to 5000 all within one week. I never believed this could be possibly done but he proved me wrong by providing a good result which made me and my family happy….We are forever grateful to them for the excellent job they pulled out cos we suffered a lot due to this low credit score, but now we can get everything we want (Loans,Credit card, getting approved for higher limit,amongst others). Here's me proudly recommending him to you all with credit issues. Reach out to him on the mail above to get your credit fixed right now to avoid been scammed by all the fake credit repair agencies again. He also fixes Chexsytems report & clears DUI charges, giving you a clean slate. He's just the best, feel free to thank me later!

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      BrandonGibson 3 months ago

      For a long time i battled fixing my credit and removing items until someone referred me to the best hacker named Aaron Swartz He boosted my scores. He also loaded my bank account with $6,000 now I am living a standard life and I can’t thank him enough..He’s blunt and honest..And he respects whatever agreement you make with him..You all should give him a try for your credit score boost.. Contact him aaronswartzcyberservices At Gmail Dot Com

    • GloriaHolmes1 profile image

      GloriaHolmes1 3 months ago

      i think i should share my story about how i got my credit score improved and eviction removed from my rental history and save everyone the stress of dealing with any credit issue. I was diagnosed of lung cancer in late 2016 i had to begin chemo immediately, so i ended up spending everything i had, even sold my stuffs hence couldn't pay my rent which was due by 09 January 2017. I was later evicted on the 14th of May 2017 and now had an eviction on my rental history. This troubled me deeply, i already had a low credit score. So i seek for help and a old friend came up with the idea to find a credit repair agency to help me wipe the eviction from my record and increase my credit score.After Several months of searchinig i was introduced to this Credit repair Agency (superbtechnologies444@gmail.com) who successfully increased my credit score and cleared the eviction from my rental history, Now I have a house, a good credit score and best interest rate on everything I do. I'll simply advise you to contact this best credit repair agency to fix your credit.

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      RebeccaPerry 3 months ago

      A friend of mine introduced me to this hacker named Aaron Swartz. He helped increase my credit scores in less than 72hours. He also offers services such clearing bad driving records,boosting school grades, tracking calls and packages to mention a few. I guarantee he is for real..He would respond promptly. Get in touch with him aaronswartzcyberservices At Gmail Dot Com

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      Judith Cline Deng 4 months ago

      I had my credit increased from 520 to 850 within 72hours with the help of Aaron Swartz. Someone from here linked me up with him, at first I was skeptical about it but I contacted him because I needed to get a loan, now my family is happy and grateful to Aaron Swartz. I have recommended him to few of my friends and you can contact them through email if you need your credit fixed too.Contact him aaronswartzcyberservices At Gmail Dot Com or (614) 344-837

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      Kennedy Kirkman 4 months ago

      Hello Guys, We all are in total control over our credit score, no matter if it’s in the low 400’s or high 700’s. The cost of poor credit is massive. We get to pay higher interests, require larger down payments, and ultimately life will cost us more than someone who has excellent credit. The game of credit scores never ends. You might have an 800 credit score one week and a 630 the next. That is why I keep my family hacker close [CYBERGENIUS@LIST.RU]. He deletes any form of negative items (eviction, medical bills, bankruptcy, student loans, judgments, etc.) on your reports and replaces them with good tradelines (mortgage tradeline, revolving credit cards, installment tradeline, auto tradeline, etc.) that will help boost your score more effectively, efficiently and less costly. He repairs credit in 7 business days and on the 8th day you can pull your report and confirm the good changes on your report. Contact him on the email address above and you will be glad you did. Feel free to thank me later.

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      CarterJane 4 months ago

      Hi, My credit score was around 545. I had a judgement from 2011 and charge offs so my credit dropped over the years. I could not get a better job and was rejected for mortgage thrice. However,I spoke with a mortgage specialist about purchasing and her advice was to get my credit score up to 750 at least before i could qualify for a mortgage. Thankfully, I met a hacker genius [CYBERGENIUS@LIST.RU] through several recommendations on Google who helped me upgrade my credit score to 795 and removed the negative items on my report in 3 days. He works with discretion and delivers efficiently without charging outrageous fees. Now we have a home in Gaston County NC and I am with stable income. He's a life saver and a professional. You all can contact him through his mail account: [CYBERGENIUS@LIST.RU] and Phone : +1 (512) 596-5268. Work with best without going through hassles anymore.

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      NicoleMiller101 4 months ago

      I am a single mother of 3 kids and I have tried severally to boost my score to 800 and also clear the negative items on my report. However, i end up getting ripped off by hackers and credit Companies due to my poor credit. The best hacker named Mr Aaron Swartz came to my rescue me and today I am very happy. He changed my life and now I can boast of having a home all thanks To him. He can fix your credit report and increase your scores in 72hours. Reach him through the Email aaronswartzcyberservices At Gmail Dot Com

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      Susan67 4 months ago

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

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      Downey Jason 4 months ago

      A personal experience: I applied for a mortgage and a car loan about a couple of months ago and it was rejected because my score was in a low 420 with a couple of negative items (including eviction, bankruptcy and a judgement), I was really devastated and depressed. I luckily 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. Just in 5 days, he had my credit score raised to 795, thereby also wiping out the entire negative items with the addition of some good trade lines. I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Well here I am proudly recommending [CYBERGENIUS@LIST.RU; +1 (512) 596-5268] for your credit repair, chexsystem report and DUI cleaning, he is really a specialist. Just email him or text him on the above contact and be glad you did.

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      Patricia Sanders 4 months ago

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

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      Angieclassified 4 months ago

      I can also vouch for the hacker "thecybergeek@mail.ru". I needed him to for a different service though. My son had a DUI record i needed to be wiped clean in time for this job application i was to file in for him, he came through with that in 3 working days. I also employed his services in helping me increase my credit scores for a loan i was pressing for, he also delivered on that. So i highly recommend him to everyone. He is honest, effective and reliable, also and affordable. Give him a trial and you will be convinced.

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      Shaw Nicole 4 months ago

      I’m eternally grateful to [CYBERGENIUS@LIST.RU], the best hacker you could ever work with. I wouldn’t be a proud owner of a home and a comfortable lifestyle if not for him. Some months back, I had been in search of a good credit repair agency to help fix my bad report which was preventing me from getting a loan or mortgage., I got scammed by imposters who claim to be credit repair gurus but finally couldn’t help me. However I still had high hopes of getting my credit fixed, I tried the 4th and final hacker I saw through Google recommendations for successful jobs he carried out . Unlike every other hacker that failed me, he delivered on the job in record time. He did not just only increase my credit score to 795 from a low 420, but also removed 5 negative items which included an eviction and late payments. He is really the light at the end of my tunnel. You could mail him for similar need on: CYBERGENIUS@LIST.RU or contact him via phone on: +1 (512) 596-5268. Be rest assured your problems will be erased permanently

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      Angieclassified 4 months ago

      I got in touch with a hacker through the help of an old college buddy. He also got to know the hacker by recommendation. I was having troubles getting a loan for a startup business I was passionate about. Well long story short the hacker got my credit score up to 780+ on all bureaus and clean reviews. Needless to say I got the loan. So I'm putting it out there, I never believed it was possible but gave it a trial on recommendation. His email is thecybergeek (@) mail(.) ru and phone contact (615)988-5703.

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      MirandaWest 4 months ago

      A personal experience: I had many credit issues due to a business that went bad many years ago. When i applied for a mortgage i was instantly turned down with no hope whatsoever. While it takes 7 years for most derogatory items on your report to fall off. I met this ethical hacker on a credit forum called Arnold Perez and found out he was recommended by most subscribers there. I contacted him and in 7days my score increased from 620 to a whooping 795 score and he also had the negative items on my report removed. Price was well worth the benefits and I am happily recommending him to you all who had same issues i had. Words can't describe how impressed I was with his professionalism. You all can contact him via email: arnoldperezcyberworld@dr.com and mobile: +1 (512)596-5268. Be guaranteed your credit issues will be over.

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      Jennifa 5 months ago

      I was able to fix my credit scores through a credit repair agency on creditscoresrepairagency@gmail.com

      after i was referred to them on a forum, and they cleared all

      collections on my report also removed medical bills and increased my scores to 780 and above,now i

      can get a new car soon for my son,so contact the Email above if you

      need to fix any issue your credit scores,i guarantee their credit repair services for you

    • profile image

      donald benson 5 months ago

      I never knew Dark web service has the best quality because have been hearing a lot of people keep rating on different forum not until he improve his skills on my credit report.I was even advice on how to use my credit score to get loan as much as i can.I am here to publicly review him to the word because i guess i was lucky to have contacted a real hacker and never had to experience losing money to fake hackers out there and his good in all kind of service you requested from him:contact darkwebcyberservice@gmail.com for more assistance.(increase or fix your score,clearing criminal record,hack into your spy,Facebook,website,whats-app etc) darkwebcyberservice@gmail.com

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      Chris Hendricks 5 months ago

      A personal experience: I had credit scores of 504(transunion) 511(Equifax) in May. I applied for a surgery loan in June and was not approved because of my low FICO scores. I contacted my loan officer and she let me know i needed a score of 720-780 to get qualified (considered by FICO as Good) and I was in desperate need to get my score up because i had to do the surgery at that time. I had seen some wonderful recommendations on some forums online of this genius hacker(CYBERGENIUS@LIST.RU) that fixed my FICO scores to 750+ in 3 working days across all 3 credit bureaus and I was approved within a week. I still have my scores at 782 because it is a permanent hack. I am so happy i found him and i will recommend ONLY him to anyone in need of such services. You can contact him at the email address above and thank me later!

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      Jennifa 5 months ago

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

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      Derek fisherman 5 months ago

      I had two things on my credit that were holding me back. one is from sears which I paid off and I am not sure of the other one but they are both 17 years old. I filed bankruptcy 17 years ago and settled with them both. It was just brought to my attention that they are still on my reports I recently got referred by my best friend to contact keinetcybertechnologies@gmail.com which I did and he helped me fix my credit and my score was improved I recommend anyone that needs to fix his or her credit to contact him.

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      Jennifa 5 months ago

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

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      CarterJane 5 months ago

      For the past year, I have been battling with my low credit score until i met this hacker guru through a friend of mine. He helped increase my credit score to 780 in record time which made me elated and full of life again. Though I doubted him at first because of my previous experiences where I was ripped off by imposters online but he eventually came through for me without charging outrageous fees. He increased my score and 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 via email on CYBERGENIUS@LIST.RU and mobile: +1 (512)596-5268. Be Sure of a permanent fix to your credit issues.

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      carrillo susan 5 months ago

      Have you tried the services of superbtechnologies444@gmail.com? they offer real and genuine credit repair to anyone who have a bad credit score...They helped increase my score,marked all debt as paid and increase my credit card limit to 6000 and still counting.If you have any credit issue, the best and suggestive solution for you is to reach out to them to get your score fixed immediately.

    • GloriaHolmes1 profile image

      GloriaHolmes1 6 months ago

      Well i would advice you to reach out to this wonderful creditrepairservices000@gmail.com, i think they are the only one that can fix your credit score perfectly,remove all unwanted collections and increase your credit card limit to 5000 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 Credit Repair Services so you won't get scammed by other fake repairers again

    • Tammy Lynn Alex profile image

      Tammy Lynn Alexander 6 months ago from Boston

      i had been played and scammed of my money bY some lenders, all this changed as soon as i was put in contact and hire (SPYGENIUS) who helped me with my credit score as well as hack into my boss email Started repairing my credit 2 days ago, and already more score has jumped 174 points. Trust me, you wont get results like this doing it yourself - just fast track your results with professionals like this. contact (SPYGENIUS.HACK at GMAIL dot COM)

    • Marty Griffin profile image

      Marty Griffin 6 months ago

      It happened like magic, i never believed this could be done but with the result received lately about my credit i believe superbtechnologies444@gmail.com is the best credit repair who has great concept and reviews to help you solve your credit issues.Mine was increased by them and the result was permanent. Superb Technologies is the best way to go about fixing your credit issues.

    • Kimberleywhite1 profile image

      Kimberleywhite1 6 months ago

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

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      Jose’s 6 months ago

      I’m sorry but Aaron Swartz is a scam. Don’t believe nobody posted about Aaron Swartz. He robbed my family today out of $550. 00 less than 14 hours. Please don’t fall for this iTunes gift card trick either. I don’t lie, trust me folks.

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      harrywest 6 months ago

      back then in 09',when i wanted to get a house for my family because i wanted a bigger space for my kids they were always complaining they wanted separate rooms, but i couldn't get a loan because i had a poor score, then i started dropping my contact on different blogs and site, so i met some guy who mailed me saying he could help me raise my score to 780,and that was good for me... i didn't believe him at first but i decided to try him out to my surprise he helped me raise my score and cleared my report now i have a bigggg house! !... honestly i have never seen the kids more happier in their lives I made their dreams come through 'I'M THEIR SUPER MAN'

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      Joey 6 months ago

      How much does this guy Aaron charge to fix my credit?

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      fed up 6 months ago

      globaltechnologies46@gmail.com Is s scam artist!!! Do NOT trust him!

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      Josey 6 months ago

      Is this guy Aaron trust worthy

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      Faithwilliams104u 7 months ago

      Thanks to globaltechnologies46@gmail.com for the job well done...i contacted him after i got his email from a friend and he was able to help me fix my credit 100%...he improved my score to an excellent grade, he his the best in fixing credit, he helped me fix my i can guarantee him 100%...

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      William Denney 7 months ago

      If you want more peace of mind,when you want to fix or increase your score up to date,kindly contact: (aaronswartzcyberservices@gmail.com).i want to publicly appreciate the effort of this guru for helping me to increase my credit score when i was suffering from low score 450 and was unable to meet up to my standard level.my score suddenly shot up 850 plus excellent result within 24 to 48 hours using technique i found through public record about,(aaronswartzcyberservices@gmail.com).and i was pleased after everything,you can also contact him for all sort of hacks.he would be wiling to help you.

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      Patrick Arevalo 7 months ago

      I applied for a house and car loan about a couple of weeks ago.I was rejected because i had a very low score of 545, really devastated and down until i ran into an old friend of mine, i explained my problem to him and he introduced me to a credit repairer who's formerly a FICO agent.Just in 5 days i had my credit score raised to 827.i had a bet with my friend i was going to reveal this professional credit repairer to the world,if he should fix my credit score.Well here i'm recommending superbtechnologies444ATGmailDOTCom for your credit scores and credit report issues,Just drop him a mail at that address and make sure you thank me later

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      Lindageers 7 months ago

      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 abysmal. I was sitting at 540 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 guys on Google after which i contacted him. Unbelievably my score rocket up to 781 in 48hours. This is the best thing that ever happened to me and my family. You can contact him if you have credit issues. aaronswartzcyberservices@gmail.com

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      Ashleylawrence 7 months ago

      For various reasons, mostly overspending in my youth, I wasn't eligible for any reasonable housing loans.When the time came for me to settle down, I had to leap through hoops in order to even get qualified, but my mortgage would have been outrageous. I enlisted the help of a Legitimate Best Hacker named Aaron Swartz to help fix some of my old credit issues. He's efficient, trust-worthy and reliable. I got the results I needed shortly after hiring him, and now I’m typing this review from the comfort of my first home. He gave me 100% of his efforts until my credit and respect was restored...Get in touch with him now on his email : aaronswartzcyberservices@gmail.com

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      LauraRomans22087 8 months ago

      I was thinking of applying for a bankruptcy form because i have no other options, I'm on a fixed income and cannot afford new things like auto loan, mortgage loan. My insurance premiums increased and interest rate has hinder me from getting some benefits and securing a job of my choice.,i came across a comment of a young man on a blog giving kudos for job well done to a hacker who assisted him in clearing off his debts and bad credit report,i took a risk by hiring him to Fix my credit score. I'm happy to tell you that this was fixed within 48hours by this exceptional hacker called Aaron Swartz, i was impressed by his work and that's the reason I'm recommending him as well. You can reach him through this email aaronswartzcyberservices@gmail.com or PHONE: (614) 344-8376

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      Bencrag 8 months ago

      Let me help you, If your credit score is not as high as you want it to be, then you need to contact this genius (morrisgraycracktech at gmail dot com it 100% …It guarantee and it worked for me, he would respond promptly.

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      Bridget Edwin 8 months ago

      I know how it feels to be frustrated by credit report issues. For a long time now, I have been wondering how I can boost my credit score and possibly remove the 3 negatives on my report which have been preventing me from getting a loan for my new home. All along, I have been scammed by impostors who claim to be real hackers but only end up ripping me off my money. But presently, I can now boost of a home and a good living because of CYBERCOMatTECHIEdotCOM. I am grateful to my friend who referred him to me and also thankful to CYBERCOM for a discreet service offered to me. He did not just remove the negatives on my report, but also, increased my score from a low 535 to 789 within just 7days. Now I recommend CYBERCOMatTECHIEdotCOM to you. You could mail him or call him on (619) 6203232 and get your worries solved in a discreet manner and relatively short time.

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      daughter81Theresa 8 months ago

      Reach out to us today, just visit creditkarmahacker.com. We have changed the lives of more than 1000 families and have featured in a number of articles of significant websites on the internet. We provide credit repair services for all in need. We will get you an excellent score or get your money back. Over the past years we have perfected our procedures and erased all possibilities of failure, don't spend the next 10 years of your life fixing something we can help you fix within a month . We are the most reviewed and endorsed credit repair service on the internet

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      katesmith104u 8 months ago

      Thanks to globaltechnologies46@gmail.com i contacted him after i got his address here and he was able to help me fix my credit...

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      COLLINS WALTER 9 months ago

      credit score can be so frustrating when poor and cant be used for anything good.Few weeks ago i was in the club of 500s-540.If not for the renovation of my old apartment i wouldn't have gone to the extent of applying for a mortgage loan,on getting there i was advised to go and build my score and clear off all my outstanding bills. How is that possible in a month?i need to get a new apartment.So devastated i went online for solution when i saw a review on google about clearing negative items on ones report.Without much talk,i saw this email Hackmania_9 At outlook Dot com.i mailed them and i was charged,ipaid part payment and bal when work is done.LOL..My items was removed and i had my score raised to 807. Don't be surprise,it worked for me.

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      Josephine Mack 9 months ago

      PLEASE DON’T WASTE YOUR TIME LOOKING FOR FAKE HACKERS!!! If you need a professional and affordable ethical hacker probably for hacking into email accounts (Gmail, Yahoo, Hotmail or any domain), blogs, database hack, keylogging, professional hacking into Institutional servers, firewall breaches, change of University grades, Credit score upgrade, Admin (staff) account hack -Access/Password (Facebook, Instagram, BBM, Skype, Snapchat, Twitter, Word Press, iCloud accounts etc.), Tap into your spouse’s phone to monitor calls and text message interception; then you should contact aaronswartzcyberservices@gmail.com ; this is for those who actually require the services of a good ethical hacker, I can definitely attest to how good and efficient he is, I owe my life right now to Aaron, I hope this helps someone.

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      Doug DeMartini 10 months ago

      What are some secured credit cards that meet all the criteria that you could refer to me?

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