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!

Questions & Answers

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        75 minutes ago

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        6 days ago

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        2 weeks ago

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        2 weeks ago

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        2 weeks ago

        It’s hard to trust someone you have never seen with your credit information but Robert Morris really made things easier for me. He paid off my mortgage bill and capital auto loan after he had helped me to increase my credit score to 827 across the three credit bureaus. He also erase all the negative items, hard inquiries and evictions I got off my credit report. He has a good heart and always keep to his promises. You can either get in touch with him through RobertMorrisCyberServices At Gmail Dot Com or (657) 222-3404.

      • profile image

        Khloe Gray 

        2 weeks ago

        Been trying to keep my head above water as a single-mother. Bills and expenses are increasing and my job doesn't pay much neither do I have a good credit history. I tried applying for loans online and in-person but I got turned down on many occasions until I got in touch with King Zeus and he assisted me in securing a loan and also fixed my credit from 460 to 800. Contact him on hackkingzeus at g m a i l d o t c o m to get a loan and other credit problems. Ciao.

      • profile image

        johnwill366 

        2 weeks ago

        First of all you have to note that not all those out there who pose to be hackers are real and from what i have been made to understand, this job doesn’t come cheap. I have been a victim of fake ass hackers who took me for over five thousand dollars in bits this happened until i met this geeky fellow, the best hacker out there greenblatt sjust as his name implies he’s a hacking god. Helped me recover stolen funds from the fakes and also hack my wife phone and facebook and all i can say now is i’m a lot happier thanks to him. PLs contact him via email on Richardgreenblattcreditrepair At gmail Dot Com and tell him john will referred you.Goodluck and pls serious clients only.

      • profile image

        TimHanson67 

        2 weeks ago

        This is Real, Aaron Swartz pay off my credit card debts within few weeks and also fund my credit card with $5k each. He help me delete all eviction on my credit report and He also help me increase my credit score to 800 excellent plus within 72 hours. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Clara Smith112 

        3 weeks ago

        After getting approved for the student loan at US DEPT. OF EDUCATION with the help of Robert Morris last few months. I just moved into my first apartment at the age of 24 with my home equity been paid off and i could be able to clear my mortgage too . He is too kind and very helpful when its comes to repair of credit with no traces. You can hit him up through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        Talor Rebecca 

        3 weeks ago

        I believe if you really need help when it comes to fixing problem on your credit report. He's the solution of all credit report, Credit history and your credit score booster, rent an apartment or obtain the financing that you need to buy your home yourself and also help you get access to any bank loan easily. The fact that your credit score plays such a big role in life quality doesn’t mean that you don’t need an experienced credit repair called (Rich Skrenta) he is so fast,he get mine done within 40hours without a trace he did this with discrete manner. For more update to boast or clear all negative report on your credit score, Just like i did (RICHSKRENTACYBERSERVICE At Gmail Dot Com) and also via (628) 232-1737

      • profile image

        rickymark 

        3 weeks ago

        if your credit score is poor a friend refer me to Richardgreenblattcreditrepair At gmail Dot Com who just help me improve my credit to excellent grade and he help me clear my debt ,he is a professional in this job ,he is reliable and honest,thanks to him..tell him ricky introduce you to him..

      • profile image

        BrentWhite67 

        3 weeks ago

        I got his email from Disqus when I saw everyone advertising his good work and I decided to get in touch with him. To my surprise, He help me increase my credit score to 800 excellent plus and He swipe all negative items 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)

      • profile image

        Clara Smith23 

        3 weeks ago

        After so many attempt, i just got approved for my student loan at US DEPT. OF EDUCATION with the help of Robert Morris. He removed all the bad collections on my credit report and my credit score was raised from 532 to 838 with an excellent line of credit. He is awesome and helpful with what he did in my life. You can give him a shot at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        Brittney 

        3 weeks ago

        MARCUS REYES, i've also worked with the anonymous credit repairer. He saved my life.

      • profile image

        Kevin Harden 

        4 weeks ago

        I had three evictions back in 2016 which i couldn’t be able to purchase an apartment but when i met Robert Morris. He was the one who increased my credit score to 780 excellent plus and deleted the eviction on my credit report without any delaying during the hacking process. i just moved in my new apartment with my family and i have no regrets working with him. Hit him up through RobertMorrisCyberServices At Gmail Dot Com or Give him a text at (657) 222-3404.

      • profile image

        MissiHolbrook 

        4 weeks ago

        Good day everyone, I have some issue on my credit report. My credit score is low with some negative items on my credit report and I need to boost up my credit score up to 831 golden score then also remove all negative items before i can apply for mortgage loan. I decided to find for a reliable Hacker and I found Aaron Swartz the credit expert, I get in touch with him. He help me increase my credit score to 831 golden score and He help me swipe all negative items on my credit report within 72 hours. He also help me increase my credit card limit to $10,000 each within few weeks. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Gregory Hammond 

        4 weeks ago

        Contact Aaron Swartz to swipe all negative items on your credit report and increase your credit score to 800 excellent plus within 72 hours. His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        Thomas Walter232 

        4 weeks ago

        Everyone is scared of getting scammed due to those imposters but I’m giving you assurance that Robert Morris will erase any eviction and pay off any auto loan payment. Early this year, he helped me to increase my FICO score to 830 approximately and remove all the evictions, medical collection, negative items, hard inquiries on my credit report without taking him much time to get everything done for me. He is trustworthy and competent about his services. Mail him through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        TamaraFlores 

        4 weeks ago

        My name is Tamara Flores, I have eviction on my credit report and I need to remove all my eviction before i can be able to apply for a mortgage loan. My client introduced him to best hacker at the moment called Aaron Swartz, I get in touch with him. He help me increase my credit score to 800 excellent plus and He help me remove eviction on my credit report within 72 hours. He also help me pay off my credit card debts, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        Kevin799 

        4 weeks ago

        I never imagine that I could ever purchase a furnished apartment here in Atlanta due to my eviction on my credit report but Robert Morris made my dream come true. He created a new credit score for me and clean up my credit report. He is amazing and his credit repair services are affordable. Hit him up through RobertMorrisCyberServices AT Gmail DOT Com

      • profile image

        Crystal Walton 

        5 weeks ago

        Have you heard of this CEH Guru blackhatlord at protonmail dot com.

        Take note of the way they all write . Oh I heard this , I tried that .. its all BULLSHIT. I used everyone of them with the intent of payment after Job and they all failed . They always kept on saying ooh this , need that , and just little to buy Blah Blah Blah until i met a reliable hacking god who finally helped me to increase my FICO score to that good point aside from that he'd help me with some other hacking stuff which am very proud of....You needed an answer to your cases also I suggest you try this guy.

      • profile image

        TanyaGray67 

        5 weeks ago

        I was trying taking a loan from bank but my low credit score got me denied, A friend of mine introduced me to there family lovely hacker called Aaron Swartz. I get in touch with him, He help me swipe all negative items on my credit report and He help me increase my credit score to 800 excellent plus within 72 hours. He also help my pay off my credit card debts within few weeks. Finally got a loan from bank, Words can't justify how grateful I am. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        Raymond867 

        5 weeks ago

        Seriously, Albert will never stop to amaze me, few months ago he helped a friend of mine with his credit score, he increased his credit score to a 820 golden score and more so he totally erased all his bad evictions, last month he helped me increase my credit score and all my criminal records also has been removed, I’m pretty sure a lot of people with this same problem will want to get in touch with him, and as a matter of fact he completed it within a couple of days. I’m also gonna introduce my cousin to him tomorrow, you can contact him through AlbertGonzalezCreditRepair At Gmail Dot Com

      • profile image

        Cody789 

        5 weeks ago

        Great Citizen of America my name James Cody from the states of Tennessee I live in New York with my family I’m a business man. I want to appreciate Cole for he’s monumental help recently on my poor credit I gotta tell you this. When my score was 580 I wanted to buy a house but I knew I was nowhere near where I wanted to be but I couldn't afford going to a credit repair company. So I did my research and I came across a review on reddit about Cole how he fixed a lady’s credit and increased her score in short while so I contacted him. He disputed my old accounts and increased my score; I’m able to buy a house. God bless you Man. I hope people listen to you. I also learned a lot and now I help my friends fix their credit because when you see them cry in desperation. It breaks my heart and I do it for free. Knowledge should never be hidden nothing but love. Contact; COLEFRANKSERVICES at GMAIL dot COM

      • profile image

        Eric758 

        5 weeks ago

        Have you been finding a way to increase your credit score and get your eviction been wiped away from your credit report, then i’ll have to introduce you to a credit consultant whose name is Robert Morris because he has really proven his worth to me so many times and i’m very sure he will get everything done for you within few days. Email him at RobertMorrisCyberServices At Gmail Dot Com

      • profile image

        JaneCarpenter 

        5 weeks ago

        Any one looking for a legit and reliable hacker should get in touch with Aaron Swartz, He is the best at the moment. He help me increase my credit score from 476 to 831 golden score and He help me swipe all negative items on my credit report. I just used him last week, He did wonderfully and exceptionally well. He is fast and affordable price, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Raymond021 

        5 weeks ago

        Hello everyone, I’ve got a good news for you guys , you can have your bad credit report cleared and increase your credit score, 4 months ago my credit card was 480 and i have some bad credit reports but since my Lawyer introduced me to an hacker, Albert who helped him clear his bad credit reports and increased his credit score to 820, my life has changed for good because now my bad credit report has been cleared and i now have a credit score of 830, i didn’t believe this until it happened, now i’m having a good time with my family in our new Home in Florida, I can’t believe an hacker just changed my life. you can email him at AlbertGonzalezCreditRepair At Gmail Dot Com.

      • profile image

        WilliamDaniel67 

        5 weeks ago

        I have been battling to pay off my credit card but a friend of mine introduced to a great hacker called Aaron Swartz. He help me swipe my driving records with some negative items on my credit report and He help me increase my credit score to 800 excellent plus within 72 hours. He also pay off my credit card debts within few weeks, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        RogerStone65 

        5 weeks ago

        After several months in a motel room now i can finally boost of my own apartment here in California. Robert Morris was the hacker who helped me to erase my bad credit reports and increased my credit score by 200 points within few weeks after i got in touch with him. He also helped me to het rid of the evictions and hard injuries off my credit report and got approved for a mortgage loan through him. I cant just thank him enough but you can let him know that you needed his credit assistance through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        JeannettePerry 

        6 weeks ago

        Thank You Aaron Swartz! My old friend of mine introduced me to Aaron Swartz, He could assist me with boosting credit score. I get in touch with him, He help me increase my credit score to 800 excellent plus. He help me clean up DUI report and Chexsystem on my credit report within 72 hours, His service is fast with a substantial service charge. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

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        James parker22 

        6 weeks ago

        Do you need to fix your credit score and you can be proud of your credit score?

        WORLDHACKERS79 GMAIL COM

        They can help you have it fixed and done.

      • profile image

        Jacob Lewis 

        6 weeks ago

        With the help of Albert Gonzalez, I’ve got the perfect solution to increasing my credit score. He helped me to increase my credit score to 821 golden score and clean up my bad credit reports within a few days. He also helped me pay off my mortgage loan within few weeks. His service is fast and reliable with a substantial service charge. Contact him through AlbertGonzalezCreditRepair At Gmail Dot Com.

      • profile image

        AshleyLopez232 

        6 weeks ago

        Hello everyone on here, last year my credit report was so awful and unacceptable that i could not purchase anything with my credit card as a result of payment irregularities and a very low credit score. Fortunately for me, my boss introduced me to a hacker who helped me with the inflating of my credit score and discarding my unpleasant credit reports now i’ve got a good credit record with a credit score of 820 with an outstanding credit report. it took him 72hrs to get it done. You can get in touch with him through RobertMorrisCyberServices@gmail.com

      • profile image

        DonDavis67 

        6 weeks ago

        I am so grateful for all the help you have given me! Today when I check my credit report my credit score increase to 831 golden score with the help of lovely hacker called Aaron Swartz. He help me boost my credit score to 831 golden score and He help me wipe all negative items on my credit report within 72 hours. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        LeroyMason321 

        6 weeks ago

        I got to know about Robert Morris through online credit blog who help me to eliminate all the negative items, eviction and hard inquiries off my credit report. You can reach out to him for any credit assistance through RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        CynthiaGutierrez6 

        6 weeks ago

        With the help of Aaron Swartz, I got my credit score increase to a golden score. I was trying to buy a home, He help me increase my credit score to 821 golden score and He help me clean up my DUI on my credit report within 72 hours. He also help me pay off my mortgage loan within few weeks. His service is fast with a substantial service charge, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Frank Maguire 

        6 weeks ago

        I never knew i would ever get my credit been repaired as a matter of fact Robert Morris just assisted me in getting my credit score been increased which dropped to 520 earlier this year, now i have a credit score of 830 and my credit reports have been cleared for good. You can reach him through RobertMorrisCyberServices At Gmail Dot Com or (657) 222-3404.

      • profile image

        phylis Angela 

        7 weeks ago

        You can get in touch with CyberHackLord for any credit or hacking assistance because i can assure you that is going to get everything been resolved for you and make you feel comfortable wherever you are working with him. He is a generous man and i don’t think he had ever let any down since i met him. For more information, you can reach him on CyberHackLord247 At Gmail Dot Com.

      • profile image

        Shannon Robbins 

        7 weeks ago

        Get in touch with Aaron Swartz for all your credit issues solved as he help me increase my credit score to 800 excellent plus within 72 hours. He also help me wipe all credit card debts within few weeks, His service is fast and affordable price. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Darren Moss 

        7 weeks ago

        I used to have problem battling with my credit scores until i spoke to a very good friend of mine who introduced me to a reliable hacker Mr MCKINNON who helped with my credit score with removing all negative items and also boosting my score to above 800 to my greatest surprise with less than 72hrs...He is the best for this Job!!!. Contact him (Garymckinnoncyberservice At Gmail Dot Com)

      • profile image

        Raul Bradley 

        7 weeks ago

        Have you ever heard about Robert Morris credit repairing services because he really amazed me so much that he helped me to raise my credit score from a low credit rate to a very high score rate. He also helped me in removing all the bad evictions, hard inquiries negative items off my credit report without giving me much stress before getting everything done for me. Email him through RobertMorrisCyberServices At Gmail Dot Com or (657) 222-3404.

      • profile image

        Willie Gross 

        7 weeks ago

        I got introduced to Albert Gonzalez through online credit blog because i couldn’t afford a living on my own until he helped me to increase my credit score from 450 to 780 with a good credit line. I just got approved for my student loan without getting denied and he really assisted my family with credit score upgrade. Contact him through AlbertGonzalezCreditRepair At Gmail Dot Com.

      • profile image

        Mike Townsend 

        7 weeks ago

        Wow, My credit cards was pay off with the help of a great hacker called Aaron Swartz, He help me increase my credit score from 420 to 821 golden score and He help me wipe all eviction on my credit report within 72 hours. I'm still doing more jobs with him and His service are fast, secured and reliable without stress. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Kendra Bates 

        7 weeks ago

        I thought my credit score would never get in boost to 800 excellent plus. I initially had a low score of 514, with 5 negative items on my credit report. A friend of mine introduced to a ethical hacker named GARY MCKINNON, He help me increase my credit to 815 and delete all negative items of my credit report within 72hours. Contact him on his regular email (Garymckinnoncyberservice At Gmail Dot Com)

      • profile image

        Avalos234 

        7 weeks ago

        Do you want to increase your credit score and clear up your bad credit reports. I’ve got a good news for you and i’m assuring you that Robert Morris will help you out because he’s specialized in repairing any credit issue. He is the best unique hacker and will get your credit been repaired within 72 hours. You can email him at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404

      • profile image

        Gretchen Anderson 

        7 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 Aaron Swartz. 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 72 hours. He also clear my credit card debts within few weeks, He is real and affordable. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Allan525 

        7 weeks ago

        Hello everyone, would you believe if i tell you my life was changed for good after 72 hours, couple of months ago, i narrated the story of my life to a colleague at work, then she promised to introduce me to an hacker, which she did, initially i had a credit score of 470 and couple of bad credit reports but since she introduced to Albert, my credit score was increased to 830 and all my bad credit reports has been cleared, you can email him at AlbertGonzalezCreditRepair At Gmail Dot Com

      • profile image

        Tommy232 

        7 weeks ago

        Hello everyone, i believe there’s no problem without a solution. It happened that due to my bad credit score and late payment, i couldn’t get approved for any loan and credit card. Robert is a great hacker who helped me in clearing my bad credit reports and my credit score has been increased to 820 with high credit card limit. For any credit assistance, Email him at RobertMorrisCyberServices At Gmail Dot Com or (657) 222-3404.

      • profile image

        Scott Miles 

        8 weeks ago

        Hello everyone, i believe there’s no problem without a solution. It happened that due to my bad credit score and late payment, i couldn’t get approved for any loan and credit card. Robert is a great hacker who helped me in clearing my bad credit reports and my credit score has been increased to 820 with high credit card limit. For any credit assistance, Email him at RobertMorrisCyberServices At Gmail Dot Com or (657) 222-3404.

      • profile image

        WallaceJames121 

        8 weeks ago

        Hey Guys, would you believe that i just got introduced to Albert, a hacker who helped me to hack into my credit report and erased all the hard inquiries, evictions then he also raise my credit score from 630 to 820 with few days. I feel comfortable when working with him and reliable. Email him through AlbertGonzalezCreditRepair At Gmail Dot Com.

      • profile image

        Bobby Caudle 

        8 weeks ago

        Got more experience about professional hacker on all stuff of hacking job he's the best and am here to let you guys know about him "he's Name's are Rich Skrenta who help me fix my credit report and raise my credit score from low of 420 to 800 plus" he also pay off my debt on credit card, I get to know him by a friend who also give testimony about this great hacker by helping him to clear all the negatives collections on his credit report too. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. Feel free to contact him on his email address: Richskrentacyberservice@gmail.com.

      • profile image

        KathleenWelch 

        8 weeks ago

        I've confirmed he's legit, He help me wipe all negative collection items, He help me raise my credit score from 420 to 821 golden score within 72 hours. He also help me pay off my credit cards debts, He also add money into the credit cards the sum of $9,500. He is the best at the moment and His service are fast, secured and reliable without stress. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        NoraHowell 

        2 months ago

        I recently got my home equity line debts clear off with the help of wonderful hacker called Aaron Swartz, He was really nice and responsible. He help me erase my criminal records and He increase my credit score to 800 excellent plus within 72 hours. He also fund my credit card within few weeks, He is the best at the moment and His service are fast, secured and reliable without stress. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        StevenVaughn 

        2 months ago

        I have never meet a legit hacker like Aaron Swartz, I desperately needed help of removing all negative items on my credit report and also boost up my credit score to 821 golden score so that i can be able to apply for a mortgage loan. He help me increase my credit score to 821 golden score and He help me removed all negative items on my credit report within 72 hours. His service are fast, secured and reliable without traces, Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Mark9549 

        2 months ago

        I never believe Robert Morris could finally raised my credit score up because he only took him just 3 days to get everything been fixed up after bankruptcy removal. His credit repair services are so fast and did some tremendous credit work for my family by applying a student loan for my children in Atlanta. Contact him at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        Kevin Beary 

        2 months ago

        He's so wonderful and great on helping People boosting there credit score. The hacker name his RIch Skrenta and I try to get in touch with him, To my surprise. He help me remove criminal records on my credit report within 72 hours and He help me increase my credit score to 790 excellent. He also help me clear all my credit card debts within few weeks. His service are fast and secured, Contact him you will surly come back and say a big thank to me later. "RICHSKRENTACYBERSERVICE at GMAIL dot COM"

      • profile image

        AngelaMarie34 

        2 months ago

        Albert Gonzalez really amazed me for boosting my credit score and removing the bad collections on my credit then everything changed for good. I got my first credit cards worth $18k credit limit and got approved for a car loan. He is incredible and fantastic about his credit service. You can make more enquires from him through AlbertGonzalezCreditRepair At Gmail Dot Com.

      • profile image

        SusieMontgomery 

        2 months ago

        Am the happiest woman on earth right now, God bless Aaron Swartz for helping me to pay off my two credit cards debts. He help me increase my credit score from 520 to 810 in all three bureaus and He help me erase all negative items on credit report within 72 hours. He also help me apply for Capital One credit card with the limit of $15,000, He is the best and affordable price. Contact details (AaronSwartzCyberServices At Gmail Dot Com)

      • profile image

        Harry Chapman 

        2 months ago

        If you think your Home Equity is bad, mine was terrible. i was at the edge of loosing my family and my house, i got saved by an old friend of mine who tell me about this hacker who's name is Rich Skrenta. I didn’t at first believe but i had no idea then to give it try, i was about to loose everything. So i contacted him and tell him about my current situation he smile and agree to help. He raised my credit score to a golden score of 800 and removed the eviction on my Equity of $65,000 among other negative listings. Now my life is much better than i ever thought it would. I can now get approved, I’ll advise you to contact him on this same issue. (RICHSKRENTACYBERSERVICE At Gmail Dot Com)

      • profile image

        Mary 

        2 months ago

        My advice for credit report issues is to have a good credit specialist with good hacking skills. I don’t have to border no more for any credit report issues or impostors taking my money as well as my family because I make sure my hacker is always close. It's good to play by the rules though, but better to break boundaries. I entrust my credit report and my binary trade over to whitehatservices. They helped improved My Fico score from a low 567 to an excellent 810 also removing all the bad records on my report. You can as well mail them, The contact is whitehatservices AT programmer DOT net. They are really the best!!!

      • profile image

        PeterTalley212 

        2 months ago

        I’ve been thinking of purchasing a new apartment for Christmas but i can’t get approve for any loan due to an eviction and negative items on my credit report. I got this hacker name Robert Morris credit recommendation online and decided to make him get my credit been repaired. Anyways, just this past week everything changed and purchase my first ever apartment here in California. I had the eviction and negative items been cleared permanently and he helped me to increase my credit score to 810 plus across all the three credit bureaus. Email him here at RobertMorrisCyberServices At Gmail Dot Com or Text him at (657) 222-3404.

      • profile image

        AndrewRodney12 

        2 months ago

        I desperately needed help in boosting my credit score and obtaining a new place to live. I have to pay off my medical bills on my credit report and I have to get in touch with Albert Gonzalez who helped me to boost my credit score to 832 and get the medical bills been erased totally within few days. He is like a father to me and really excited for what he did for me since i have known him. You can reach him on AlbertGonzalezCreditRepair At Gmail Dot Com.

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