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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        9 days ago

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        9 days ago

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        9 days ago

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        9 days ago

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      • profile image

        TommyWarren4445 

        9 days ago

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        JackGomez 

        9 days ago

        I always wondered how i could boost up my credit score after constantly getting ripped off by lenders credit card companies and Banks due to my poor credit. But a friend of mine named clark came through and i can't thank this dude enough, because he change my life by introducing me to this great hacktivist called (TheJester). He helped me boost my low score from 214 to 845 respectively. Now i can boast of having a home all thanks to him. Hit him up to fix your Bad credit report and increase your credit score in just 3Day's yes i just said that" You can mail him at ThejesterCyberservices At Gmail Dot Com.

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        LaurenceTyler 

        9 days ago

        I wouldn't have get myself much stress if i've met this genius hacker"Called CrisThomas. Last upper month i was in hurry for a car loan for about $7,500 but due to my low credit score and bad credit report, i got it rejected and i saw a comment online about this hacker named CrisThomas, Thou i was skeptical to pay him for the service to cleanup my Bad credit report and increase my credit score. But he assured me that everything will be fine, so i gave him a try, and to my gratest surprise, everything worked out fine within just 48HOURS. He helped me fix my credit report and increase my credit score to a golden score from 315 to 850. I'm so glad that i choose to go with his service and would definitely recommend his services for anyone looking to repair their credit, and wants it to be Done right, just contact him at Cristhomascreditrepair At Gmail Dot Com.

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        TabithaFord 

        9 days ago

        Thanks Peiter Zatko for saving my life. Last year i read an article online about hackers and saw a good comment on what peiter Zatko has done and how he have been bringing back smiles to people's faces. I've been applying for loans and been getting rejections due to bankruptcy, evictions and various negative comments on my credit profile. And this loan was needed to help my Business financially. He help me increase my score to 845 respectively and removed all negatvie comments on my report. And because of that my loan was approved. You can mail him at Peiterzatkocyberexpert At Gmail Dot Com.

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        DarrylHall 

        9 days ago

        Hello everyone! few months ago i was in a very big debt and was confused about what to do with my life until a friend of mine introduce me to this"CREDIT AGENCY Called JEFF MOSS. So i contact him and i told him about my bad credit report and i was surprised when i got a replied from him, To my own surprise he helped me erase all negative items on my credit report and increase my credit score from 410 to 815 and i got appproved for Bank loan, house loan, mortgage loan etc... He also assits me to clear all my credit cards debts. You can contact him at Jeffmosscyberservices At Gmail Dot Com.

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        BradleyHoward 

        10 days ago

        I was always skeptical of these services but after seeing my cousin testify to a hacker's service i decided to give this hacker a try, and he didn't disappoint. Before i emailed him i had two evictions on my credit and a student loan, and he cleared those within 3 days including raising my credit score to a golden score. This experience i can never forget. For those who need his information, anonymouscreditrepairer [at] gmail [dot] com is the email i reached him at. I now have an awesome professional relationship with him so you can tell him i referred you.

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        MarcusReyes8 

        11 days ago

        Reaching out to a hacker was a lifechanging decision for me. I went to one not knowing what to do with my poor credit score as far as buying a house and the anonymouscreditrepairer as he likes being called, was who i contacted through anonymouscreditrepairer [at]gmail[dot]com and he went above and beyond to assist me. The service he gave me was invaluable as it allowed me to move forward and secure a loan for my new home purchase. He boosted my scores in just 3 days!. I have an amazing credit score now all because of him. Sometimes it still feels like a dream

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        DUNN RNOLD 

        12 days ago

        Hello , I always wondered how I could boost my credit score after constantly getting ripped off by lenders and banks due to my poor credit . So I got referred to by a friend about this amazing hacker who help who helped remove negative items on my report and increased my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. he actually changed my life and I can now boast of having a home and a new business all thanks to (creditspygenius@gmail.com). he can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you you all should contact him now through his email (creditspygenius@gmail.com).

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        Paul Albert232 

        12 days ago

        For the best credit repair inquiry on how to boost your credit score and get approved for any apartment across the country without getting declined. I’m grateful for what i owe today and will never forget how i got my credit been repair through their help desk without going much stress. Email him through RobertMorrisHelpDesk At HotMail Dot Com

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        JorgeMcfadden 

        12 days ago

        Whenever i'm asked about credit problems my advice always is, go the extra mile. After struggling on our own for over a year and spending a lot trying to clear up our credit with attorneys who offered empty promises and credit companies that charged us thousands of dollars only to find out they hindered us more than anything. We decided to think outside the box, did a little research and was able to find a hacker with the email anonymouscreditrepairer atgmaildotcom, that was the end. He's the smartest person i've ever met. He cleared everything the attorneys and credit companies could not including our derogatories and old student loans. All i can say is be smart.

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        Marcusjamy 

        12 days ago

        I was all in a very big debt and was confused about what to do with my life until I got in contact with a well recognized credit agency called TROVIANCREDITREPAIR. I told them about my bad credit report and I was surprised when I got a feedback from them, they are ready to help me with the little money i have with me so i gave them the info they asked. They help me clear all the negative items on my credit report and increase my credit score from a low 400 to 805 excellent and I got approved for car loans, house loans and all. They also help me clear all my credit cards debts’ U can contact them for your credit fixed ( TROVIANCREDITREPAIR at HOTMAIL dot COM )

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        LancePeterson21288 

        13 days ago

        You can easily get your past eviction been removed within few hours because i’m going to introduce Frank to y’all. He assisted me to wipe away the negative items and past eviction on my credit report and boost my credit score across the three credit bureaus respectively without no regret working with him. Contact him via FrankMaguire313 AT GMAIL DOT COM or Text him at (814) 581-2434....

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        Roland Carson 

        2 weeks ago

        I went through a divorce and i had lot of negatives items and hard inquiries, this caused my credit scores to drop drastically. I have been looking for help on how to fix my scores and clear my debts but the methods are too slow until recently that i met a credit repair hacker on a credit forum website and i contacted him to fix my credit and paid him a little fee to get started. Surprisingly after few days my FICO score went up and I just got approved for a loan by my bank after multiple rejections. He cleared my credit report and pay some debts, now i am debt free and back on my feet. You can get in touch with him at MITCHALTMANCREDITEXPERT@GMAIL.COM or text him (507) 407-2409.

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        Davis104u 

        2 weeks ago

        If you need to fix your bad credit or improve your credit,I was able to fix and Improve my bad credit through [ creditscoresrepairagency AT gmail .com ]after a friend referred them and they were able to fix my credit and also removed all negative items affecting my score,now I can get a new home soon,so you can get to the email above if you're facing difficulties with your bad credit or you need to Improve your credit,they are really good as people has said about them they can help you fix your credit within few days

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        Lesa Wheeler 

        2 weeks ago

        My business was crashing and i needed a loan. I'm not so proud of it, but i had to reach out to a hacker. I was too messed up. He was the one who fixed my credit score and cleared my debts. I was advised to keep mute but i know many people will also need his help like i did. his email is anonymouscreditrepairer atgmaildotcom

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        SabriaPaquette 

        2 weeks ago

        A divorce can be an incredibly stressful, painful emotional rollercoaster but once you come out on the other side, it's time to make some necessary changes to your finances like quickly eliminating any accounts you have with your ex. Don't make the same mistakes i made. A lot happened after my divorce including issues from accounts that were linked to my ex, leading to debts. Thankful i was able to get through to a hacker via his email address anonymouscreditrepairer ATgmailDOTcom who repaired my credit and credit score else i don't know where my life would have headed to by now, probably worse than i can even imagine.

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        EmmaCook1 

        2 weeks ago

        I had problems securing a loan because of my credit score then my friend introduced me to a reliable Hacker, I was afraid at first but wow I was so surprised when my loan application was approved when my credit score boost from 410 to 780. He’s the best hacker everyone is talking about all over the internet, Contact him on his regular email

        (Anonymoustruckerexpert At Gmail Dot Com)

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        Lukepete 

        2 weeks ago

        If you're having credit issues and upgrading your credit score, I will advise you to get in touch with TROJANVIRUS. He helped me delete all the negative items on my credit report and help me increase my credit score to an amazing 790. He has done a great job for me and i can testify that he is a very good hacker. His services are fast and affordable. You can also contact him directly on:TROJANVIRUS212 at GMAIL dot COM

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        DariusBryant 

        2 weeks ago

        i was lucky to be freed from the chains of my own prison. I couldn’t be more impressed with myself for having enough confidence to reach out to a hacker. i emailed him through firewallbreachexpert 'at' gmail 'dot' com with hope of just erasing my student loan but at the end also got my eviction removed and my credit score raised. He's a genius i must say. To him he fixed my credit, to me he fixed my life.

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        Elisha clayton 

        2 weeks ago

        I have had a lot of bad experiences with credit repair companies and fake hackers, all the credit score they told me they boosted was actually false and all negatives on my report wasn’t cleaned. i was so disappointed and try Richard ..I have read a lot of recommendations about him which at first made me doubt his legitimacy but when I contacted him and told him exactly what I want him to do he got it done amazingly and showed me proof before I made the balance payment..I wish to recommend him to you all ..[Richardstallmancreditrepair At Gmail Dot Com]. You won't regret he work for you.,.

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        Joseph Carlson 

        2 weeks ago

        From my personal experience so far regarding my credit score, I earlier didn't know how about it was and when i knew i had low credit score, my credit score was about 367 and to get my loan approved i needed 750. I saw through Google recommendations Anonymous Trucker, He really delivered me a nice job. He did not just increase my credit score to 785 from a low 367, but also removed all negative item on my credit profile which included an eviction. Contact him for your credit score boost (Anonymoustruckerexpert At Gmail Dot Com)

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        MaeVasquez 

        2 weeks ago

        The credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment property (my fifth property including my home), My credit score was 520. I had three negative item on my credit report, which hurt me dearly. A friend of mine to credit specialist and to my surprise he increase my credit score to 750 and delete all negative item on my credit report within 72hours. Contact him (Anonymoustruckerexpert At Gmail Dot Com)

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        TimothyFitzgerald 

        2 weeks ago

        For your credit score to be raise to 800 excellent standard, eviction remove, negative items remove and pay off your credit cards debts. Contact him for your credit instructor privateinvestigatorhacker At Gmail Dot Com

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        Rebecca68green 

        3 weeks ago

        If you need to get loan and you have a lower score you can can get in-touch with Rich Hacker. He render all kind of hacking e.g Business loan, Expansion loan, Personal loan, School start up loan e.t.c. He's also capable of increasing your credit card limit. He started with increasing my credit score to 810 and also Enlarge my credit card limit from 5,000$ to $9,000. He also help me Apply for A Personal loan. Get Him on mail for help i'm very sure of him & beat this you will come back and Say A Big Thanks 100% Sure... RICHSKRENTACYBERSERVICE AT GMAIL COM

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        rachel mccoppin 

        3 weeks ago

        Connect with credit brainiac via email at creditbrainiac(DOT)repair(AT)gmail(DOT)com for help. My hubby and i wanted to buy a house and needed to clean up our credit and raise our score. Credit brainiac was the man that rescued us and now we have the home we always wanted with his help. So glad our neighbor referred us to him. He increased my score from the low 600 to 800 which allowed me to obtain lower interest rates from lenders. Saving money!

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        OwenVince 

        3 weeks ago

        My humble appreciation goes to REPAIR WIZARD for everything they have done for me, in less than 5 days of working with them. My credit score raise up from 510 to 810 excellent and he help me erase all negative items on my credit report within 72 hours. I was able to qualify for a mortgage loan that prevented me from acquiring for a very long time, he also paid off my credit card debts. He's as discreet and professional too. Contact him now on:

        REPAIRWIZARD4 at GMAIL dot COM, I’m Owen Vince.

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        eric09 

        3 weeks ago

        Honestly, i promised my self not to use any hacker on goggle , I am still far less likely to use Google services because of how bad i was ripped off. The stress of being a college student who needed that money was definitely a multiplier, but at the end i got the honest person have been waiting for who help me upgrade my school grades to the point i want and he also help me clear my bills on my student loan ,t his how i can appreciate his good work you can reach him through his email on CREDITSPYGENIUS AT GMAIL DOT COM or text

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        Pennyraver 

        3 weeks ago

        He is so legit I have confirmed it, CYBER DON will help you fix any kind of credit issues. My old client introduce me to CYBER DON and I get in touch with him, He help me increase my credit score to 810 excellent plus and He help me remove eviction from my credit report within 72 hours. He also help me clear off my three credit card debts within few weeks, He's real, fast and affordable price. Contact him

        (CYBERDON212 at GMAIL dot COM)

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        Bradley 

        4 weeks ago

        I was always skeptical of these services but after seeing my cousin testify to a hacker's service i decided to give this hacker he made use of a try, and he didn't disappoint. Before i emailed him i had two evictions on my credit and a student loan, and he cleared those within 3 days including raising my credit score to a golden score. This experience i can never forget. For those who need his information, anonymouscreditrepairer [at] gmail [dot] com is the email i reached him at. I now have an awesome professional relationship with him so you can tell him i referred you. relationship

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        CharlesMark32 

        4 weeks ago

        I never believe they are still Godly and trustful person on this very earth again, Rich Skrenta was so kind and full of Amazing! He work on my credit score and credit report July last year & his job was still permanent up to date. Oh i never believe this is possible, after being scam by much hacker before i meet him though a friend which i never trust him at first till he prove his self to me, he raise my score to 800 GOLDEN SCORE and erase all my 3 credit card debt that has been affecting my credit report. He took it off away my life now i am very free of debt! Get him for help : RICHSKRENTACYBERSERVICE AT GMAIL DOT COM

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        BruceWilson6789 

        4 weeks ago

        REPAIR WIZARD Professional Credit Repair isn’t just a place of business but a perfect company that plays a vital role in credit repair and they help you raise and fix your past worries. We all make financial mistakes and I made those bad decisions that truly affected me in where I couldn’t ever gathered $200 loan but REPAIR WIZARD helped me with derogatory items on my report and increased my score to 800 plus. Contact details: (REPAIRWIZARD4 at GMAIL dot COM), don’t be fooled by scammers, think wisely and take good decisions thank you, I’m Bruce Wilson.

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        JerryDeters01 

        4 weeks ago

        He Put The Best Bigger Smile on my face in January 21 this very year, He Help me hack bad reflect in all five credit bureaus away and increase my score to 820 Golden Score which has been knocking me against A Montage Loan and also boost my credit card limit from 2,500$ to $8,200 !!! You can easily reach him on mail, he's service are fast and cheap: PermanentCreditRepairer@gmail.com

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        DonaldCollins 

        5 weeks ago

        I am the happiest man on earth when Aaron Swartz repair my credit report, He is the best at the moment. He help me boost my credit score from 415 to 821 Golden Score and He help me remove all negative collections on my credit report within 72 hours. He helped me clear all the debts on my credit cards and all was cleared. He made money available up to 3 times, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        MollyGrice 

        5 weeks ago

        My name is Molly Grice, I live in Las Vegas. My old friend of mine referred me to REPAIR WIZARD, He could assist me with boosting credit score. I contacted him and we proceeded. After 5 business days, he help me increase my credit score to 800 excellent plus. He help me clean up DUI report and Chexsystem on my credit report. His service is fast with a specific service charge. Contact details :

        REPAIRWIZARD4 at GMAIL dot COM

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        Davisturner3 

        5 weeks ago

        When I first started getting serious about buying our first home, my wife thought i was delusional because we had a terrible credit and couldn't get a loan with that but i was determined to get us out of our place to a better place and that was how the search for a solution started, luckily for me i stumbled upon this credible hacker with email address anonymouscreditrepairer AT gmail DOT com. I absolutely cannot overstate how good this hacker is. I mean he raised our scores and fixed our credit so we could apply for the loan. My wife trusts my intelligence and determination now. I'm so proud to be writing this.

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        David12Marshall 

        5 weeks ago

        This is incredible He help me increase my credit score to 795 Real Score and He help me remove all negative collections on my credit report in 4 days. He also help me pay off my credit cards debts in 96 hours without any complain, I still imagine if I had not consulted him, what sorrow my life would've been. DON'T Let me talk much Try him on and see the best of him {richSKRENTAcyberSERVICE At Gmail Dot Com}"

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        CynthiaLind 

        5 weeks ago

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

        (TROJANVIRUS212 at GMAIL dot COM)

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        PatriciaGriffith654 

        5 weeks ago

        Thank You Aaron Swartz! My old friend of mine introduced me to Aaron Swartz for helping to clear all my credit cards debts. He help me increase my credit score to 800 Golden Score and He help me remove all negative collections on my credit report within 72 hours. He also help me pay off my credit cards debts within few weeks and the hack reflect in all three credit bureaus, the hack is also permanent without traces. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • McLeodHarry profile image

        McLeodHarry 

        5 weeks ago

        To raise your credit score to 800 excellent plus and fix any kind of credit issue, I will advise you to get in touch with TROJAN VIRUS. He help me removed my eviction on my credit report and He also help me raise up my credit score to 821 golden score within 4 days. He also clear my credit card debts within few weeks, He is real and affordable. Contact details:

        TROJANVIRUS212 at GMAIL dot COM.

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        JenniferDuncan 

        5 weeks ago

        Hello, I was reading an article posted on NACA first time home buyer website (reviews) and came across CYBER DON in regards to helping me out with my credit situation. The situation was; I had a car loan that is on my credit and the whole thing was in dispute because they sold me a vehicle that has been repaired twice for the same thing they misapplied payment to a side note and regular payments so that was holding me up from purchasing a home. Well the good news is, I purchased the house last month because CYBER DON eventually deleted the car loan and raised my score to 795 within 5 business days including every other negative items on my report. Here is his contact; CYBERDON212 at GMAIL dot COM, you can contact him for credit repair situations. CYBER DON is the best you can get.

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        Head Burt 

        5 weeks ago

        Hi there, Most of these techniques do work(over 2 to 3 years )if you ask me that is too long when you need a good score for a car loan , house loan or business loan , however for a more immediate effect.Hi there , I had to share this story incase it helps someone else.Away from cheaters ,

        Last year i was having some issues with my credit score as i needed a loan for a bigger house .i struggled with a low credit score of 550 because of mistakes made in the past, and finally stumbled upon a guy in a Tech summit and he was able to hook me up with an underground agency who boosted my credit score in 5 days.if you need such help contact on email at (CyberGuru@inbox.ru) he can help increase your credit score .he would be able to help you easily .

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        Patrick Paul11 

        5 weeks ago

        He is specialized in removing past eviction, hard inquiry and any negative items off your credit report. For any hacking assistance, you can mail him through RobertMorrisCyberServices aT Gmail doT Com or Text him at (657) 222-3404.

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        Patrick Paul11 

        5 weeks ago

        Hello

      • profile image

        Clarence Sutton 

        5 weeks ago

        You can get in touch with Aaron Swartz for any kind of credit issue, He boost credit score and fix credit reports. He help me boost my credit score to 841 Golden Score and He help me wipe all eviction on my credit report within 72 hours. He also helped me to pay off my credit card debts and I was surprise when he made a drop on my credit card. His service is secured, fast with affordable price. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        HarryPrice 

        6 weeks ago

        I was trying to get a loan to purchase a house for my family but my bad credit report got my denied. A friend of mine linked me up to Aaron Swartz to fix my credit report, I get in touch with him. He help me wipe all eviction from my credit report and He help me increase my credit score to 800 excellent plus within 72 hours. He also help me increase my credit card limit into $25,000 within few weeks. Now I purchase my dream house for my family, My Family is happy and grateful to Aaron Swartz. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        Andy 

        6 weeks ago

        Hello and happy weekend my name is Andy Jordan, a very big thank you to Ghost Virus for he’s tireless effort making sure I get the prefect credit I needed to get approved for a loan which I applied some weeks back. I had (Student loan, Collection, Inquires, Tax liens, Medical bills, late payments, and low score) on my Credit report which disqualified me. A friend recommended Ghostvirus7890 at gmail dotcom to give my credit the prefect and permanent treat I was looking for. After a short assessment on my credit situation I was signed up and on my way to restoring an excellent credit rating. I provided the info’s which he requested the next day to start the process which lasted for 8 days. My credit is looking prefect and my scores excellent you can give your credit a good treat by contacting Ghost virus. This was not possible in the past due to my previous history. Thank you Ghost

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        Hernandez 

        6 weeks ago

        I want to sincerely thank Ghost for a great job which he delivered on my bad credit report. I applied for a mortgage loan couple of weeks back but wasn’t qualified. The issue was that I had bankruptcy and tax liens to dispute, and the companies dropped it off my record. After surfing through the internet for help I read about GHOST on a credit repair website and other blogs. I contacted GHOST and explained everything to him to cut the story short he fixed my credit raised my scores to 740, removed tax liens, eviction and bankruptcy off my report, He also increased my credit limit and credit leverage. Still surprised at how it just happened within (6 days) and easy to push the dispute button at the credit agency website with this Specialist. You can get connected today and start your repair mail at GHOSTVIRUS at WORKMAIL dot COM and worry no more on buying a home with low credit scores or getting a job with bad credits. Happy New Month Hernandez Robert GA

      • GrahamPaul profile image

        GrahamPaul 

        6 weeks ago

        Wow TROJAN VIRUS is a hacking god. I was having very poor credit. I am 56 years old and have had bad credit for decades now. And I do notice even my “write offs” still are on my credit report. How can I get the creditors to drop my old charges that I would never be able to pay? How can I get the negatives and judgments off my credit report so that I can up my score and not have the stress in these later years of my life? I just have very poor credit and lots of judgments and negatives and would like to make them disappear but how do I even start to do this? These were the questions I was just asking myself. Then I saw a post here about TROJAN VIRUS so I contacted him and he agreed to help me out and just about 1 week everything was done and my score was raised from 546 to 795 and all my negative item on my report was removed, GOD! I am now a happy old man now. Reach him on TROJANVIRUS212 at GMAIL dot COM.

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        Patrick Paul676 

        6 weeks ago

        My landlord filed an eviction on my credit report for past few months and i couldn’t be able to purchase any home due the eviction and my cousin introduced me to a hacker who helped me to erased the past eviction on my report. He also increase my credit score to 814 across the Equifax, TransUnion and Experian. I think is he the most specialized credit repairer maybe you can reach him through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

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        Patrick Paul676 

        6 weeks ago

        Hello

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        thoegage094 

        6 weeks ago

        I recently decided to buy a new home better suited for I and my 5 kids few weeks ago. 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 510 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 801 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 contact him at:Richardgreenblattcreditrepair(At)(Gmail)(Dot)(Com)

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        juliashanks 

        6 weeks ago

        My name is Julia Shanks and I am getting old. I wanted to enjoy some privileges of a good credit to buy a home, a decent car, etc. I have a good job and work an extra time job too. However, I haven’t qualified for anything over $1000 ever and prior to this year it was $300. I needed some information on how to raise my credit score and I browsed through some trusted credit repair site and I found Repair Wizard (REPAIRWIZARD4 At GMAIL Dot COM) a well promoted credit specialist. I contacted him with the above contact info requesting for his help. Well he explained the process and we got started. After 7 business day, he raised my score to 788 and cleaned all negative items on my report replacing them with some good lines of credit. You can contact him too if you need a similar assistance.

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        BettyGarrett 

        6 weeks ago

        I have searched for a very good hacker to help me boost my credit score and pay off my credit cards without traces. So a friend of mine recommend Aaron Swartz for me and I get in touch with him. He help me boost up my credit score to 831 Golden score and He help me wipe all eviction on my credit report without traces within 72 hours. He also pay off my credit card debts within few weeks and transfer some fund into the credit cards for me to start a new life, God bless you Aaron Swartz. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        brainwebb 

        6 weeks ago

        Towards the end of last year ( sometime in December) I was reading an article on credit sesame and I came across a comment about a group of Hackers who could increase credit score to 750 and above, it caught my attention because I just got out of bankruptcy, I needed a car for my business and a house. But I couldn’t because my credit was in shambles, so I got in touch with the hackers, and he helped me fix my credit. They cleared the negative reports , and increased my score. They did all these in 8 days. I never thought this was possible, you can reach out to them through EMAIL: XAPCREDITSOLUTION at GMAIL dot COM. Bad credit can be a thing of the past.

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        JuliusJackson2124 

        7 weeks ago

        I have Nine revolving accounts and Twelve installment account on my credit report. i have to hire Robert Morris to help me erase them off my credit report. Within few days, he helped me to get them been erased off 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 for once. You can mail him at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

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        SusanPierce67 

        7 weeks ago

        I will never believe my credit score will come up to 831 Golden score with the help of Aaron Swartz. He help me boost up my credit score to 831 Golden score and He help me wipe all evictions on my credit report within 72 hours. He also help me pay off my business credit card debts within few weeks, He`s trusted, affordable and calm. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        coleman35534 

        7 weeks ago

        I can vouch for Richard when it comes to credit related problems and clearing of debt i dont know how he did it but he increased my scores from 496 to 795 and and cleared all my credit card debt he did it professionally in a short period, ­he is a life saver guys. You can reach out and tell him i referred you Richardgreenblattcreditrepair At gmail Dot Com You won't believe it until you see it.

      • profile image

        SabriaPaquette 

        7 weeks ago

        A divorce can be an incredibly stressful, painful emotional rollercoaster but once you come out on the other side, it's time to make some necessary changes to your finances like quickly eliminating any accounts you have with your ex. Don't make the same mistakes i made. A lot happened after my divorce including issues from accounts that were linked to my ex. Thankful i was able to get through to a hacker via his email address anonymouscreditrepairer ATgmailDOTcom who repaired my credit and credit score else i don't know where my life would have headed to by now, probably worse than i can even imagine.

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        TammyMills 

        7 weeks ago

        My husband and I were trying to qualify for a mortgage loan and two of the bureaus are not providing a score, I have purchased things with credit off and on for the past 5 years so I suspect that somehow they have mixed up with someone else. I keep asking myself most time, what kinds of documents license and social security card would i send to expedite this process which make me worried most time. I also though of recommending by sending it as a request for a free report before i came across DARK WEB service through a friend i met from a Quora forum. My Credit score finally boost up to 790+ across the bureaus within 5 business days after receiving notification from the company that i have qualify for the mortgage loan and all my debt has been cleared. Guys i'm glad to review this service from Dark Web and anyone who need his assistance should contact him right here. Darkwebcyberservice@gmail.com OR +1(702) 907 1140, Its secure and guarantee also work with time.

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        carterloving37 

        7 weeks ago

        He is so real I have confirmed it, (Richardgreenblattcreditrepair) will help you for all your hack issues ranging from bank hacks, University Grades change, Facebook hacks, Instagram, Viper, Email and Phone hack for text, Whatsapp messages, call logs, Gps tracking, Fixing of bad credit score and lots more. He help me increase my credit score to 800plus excellent and I had to show my appreciation by publicizing his good work. He's real, fast and affordable. contact him At(Richardgreenblattcreditrepair(At)(gmail)(Dot)(Com) and thank me later.

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        Lopez Brandle343 

        7 weeks ago

        He is one of the best hacker that i can trust with my whole heart and You can email him through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

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        Morse Hurd 

        7 weeks ago

        I needed to get approved for a car. I had a car before but the payment became way too much so I ended up getting rid of it within a year and a half. However, I saw an ad on a post about repairing credit score by a very popular credit repair specialist called REPAIR WIZARD. I saved his contacted (REPAIRWIZARD4 at GMAIL dot COM) and texted him, asking him the cost and the process explanation. He responded favorably and we eventually got started with the project ASAP. After some couple of days, he notified me that the job was completed and ready to use for the loan approval. I checked my credit score via credit karma and my actually went up to 791 with beautiful line of credit posted on my credit profile. I completed the service charge and you are free to contact him for a credit fix.

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        Benedict Niccolo 

        7 weeks ago

        I read something on Black enterprise, they emphasized on credit repair lavishly speaking about a particular guy TROJAN VIRUS, how he helped people clear student loans, clear debts and raised scores then I decided to hire him, I wrote him via his email Black enterprise provided in the articleTROJANVIRUS212atGMAILdotCOM, we discussed about the process and he also interrogated me which I gave him sincere answers. I signed up with him and he started the repair which he concluded in just 6 days. He raised my score to 800, cleared my student loans and my 2017 medical bills. Contact him with the above email if you need a turnaround or text him his personal number. Cheers.

      • profile image

        JonathanSimon67 

        7 weeks ago

        Why waste your time finding a legit hacker, I will recommend to you all to get in touch with Aaron Swartz the credit expert. He help me increase my credit score to 800 excellent plus and He help me wipe all negative collections on my credit report within 72 hours. He also help me pay off my credit cards debts within few weeks, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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