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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        Willian Carter 

        5 hours ago

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        Tony Maurice 

        2 weeks ago

        My family and I ended up homeless 2 years ago after I lost my job. My name is Tony and I am a disabled combat veteran trying to buy a home. My family and I wanted to purchase a home but my poor credit score ruined every effort made to actualize that goal and it was a nightmare. I decided to look for help online and luckily for me, I ran into Computer Warehouse Group (COMPUTERWAREHOUSEGROUP1 AT GMAIL DOT COM), they were highly recommended for a quick and permanent credit repair so I hired them immediately. After 6 days, they raised my score to a whooping 791 and deleted all the negative items affecting my report. Thereafter, we got the house and we had a happily ever after kind of family story.

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        Violet Jaxon 

        2 weeks ago

        TROJANVIRUS is the best credit agency, He help me delete all my negative items on my credit report and raise my credit score to 827 excellent within 72 hours. He also help me pay off my mortgage loan, His service are fast, secured and reliable without stress. Get in touch with him on regular email for your credit repair: TROJANVIRUS212 at GMAIL dot COM

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        Michael Lewis112 

        2 weeks ago

        With the help of Credit Ghost hacker, I’ve got the perfect solution of 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 CreditGhostHacker at Gmail dot Com

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        Burwell1Charlie 

        2 weeks ago

        He Raise my score to a maximum of 800 across the 2 credit bureaus and delete all negative items on credit profile including inquiries, medical bills, collection and loans. All late payment debts appear as paid, He also post some good trade-lines on my report to boost more effectively and efficiently with a permanently change. i was currently homeless who was not approved of an apartment before i came across with PERMANENTCREDITREPAIRER /at\ GMAIL /dot\ COM and he turn my life around with a little cost he ask for and i get him paid with immediate effect. contact him let his job speak for him!!! Thanks

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        Leland Anthony 

        2 weeks ago

        Credit repair testimonies and attestation used to sound like lies to me till my son in-law introduced me to Dane of Annonymouscredithacker At Gmail Dot Com, he went on credit Karma to show me proofs of every credit repair history he helped fixed, and what he was scoring before he meet this expatriate. I had outstanding, Late payment on my record so I needed them off. I also need a college tuition fees for my twins and mortgage loan too. This man is trustworthy, he was able to fix my credit report disputing and deleting negative remark on my report. This increase my credit score drastically I was scoring 780, that’s over 250 in increment from what my score used to be. I’ll will say you hit him up today via his email above, I was able to attain a good mortgage loan and funds to cater for my other needs, this is me fulfilling my promise of testifying if he could help me.

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        Daniel Craig112 

        2 weeks ago

        After getting approved for a student loan at US DEPT. OF EDUCATION with the help of Robert Morris last few months. We just moved into our apartment with my family and got my home equity been paid off. He is just too kind and very helpful when its comes to repairing of someone’s bad credit with no traces been found on your credit report. You can send him a mail through RobertMorrisCyberService At Gmail Dot Com

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        Teresa Jorge 

        2 weeks ago

        If your credit is not as clean as you want it to be I assure you that DPROTOCOL is the perfect hacker for your job. It was a perfect credit solution to my credit profile, I had all negatives removed and my score had a boost of 196 points. It helped me acquire my new car and new house. I recommend (DPROTOCOL7 at GMAIL dot COM) if you have a fix date to fix your profile. Best hacker in the space of time.

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        Kaeshawaller 

        2 weeks ago

        Thankful i have this opportunity. Now, i don’t really know how to thank this person but for sure i’m going to do what i promised which is, post this if he really did what he said he would. My credit scores are now as high as 796 all the way from 540 and you can’t imagine how happy i am. This was fixed for me by a hacker and I’m going to make him my personal hacker for life. You can reach him at firewallbreachexpert (at)gmail(dot)com

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        Kevin Durant22 

        2 weeks ago

        I am a single mother of 4 kids finding a way to repair my bad credit score and pay off all the credit card debts on my credit report. However, i ended up getting ripped off by hackers and credit companies due to my poor credit. Credit Ghost hacker came to my rescue because he changed my whole credit file and now I can boast of having a good credit score rating. You can reach him through CreditGhostHacker at Gmail dot Com

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        Bruce Scott 

        2 weeks ago

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

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        Daniella Monet 

        2 weeks ago

        Got a bad credit score and desperately in need of a loan? Creditpronetwork is the solution! I got turned down by so many creditors because of my bad score. I was referred to Charles from Creditpronetwork and he assisted me with securing a loan and also repaired my credit. He's truly a savior and with his help, I'm able to stay out of debts and keep a roof over my head. You can hit him up on Creditpronetwork@gmail.Com if you have the same problem.

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        Rodney Albert22 

        3 weeks ago

        Hello everyone! I think i just found solution to your credit issue because i have seen a lot of recommendations about Credit Ghost Hacker. I wouldn’t advise anyone not to use any hacker who he or she doesn’t have enough trust in him but i can assure you that he will help you to boost or rebuild your credit score across your three credit bureaus and remove all the negative items, past eviction, hard inquiries, bankruptcy off your credit report. You can contact him through CreditGhostHacker at Gmail dot Com

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        Peter Harbert 

        3 weeks ago

        I had a prescribed/handed over debt that I wanted to settle but the credit provider said they sold the debt but I couldn’t get hold of the lawyers where the debt was sold to. I filed for bankruptcy 3 months ago and we also wanted to move to Las Vegas by the end of December therefore we needed an urgent help fixing our credit. Well I sort for help online and I read quite a lot of good reviews about a credit guy called Charles of Creditpronetwork I contacted him for credit help. We got started and after a couple of days, [Charles] cleared the debts and the bankruptcy on my credit profile and he also raised my score to 795. Thereafter, we moved to Las Vegas and my credit still looks good. Feel free to contact him via his Email: Creditpronetwork@gmail.Com for credit issues. He is a nice person

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        Lenwood Hoover 

        3 weeks ago

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

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        Layla Owen 

        3 weeks ago

        My name is Layla, I applied for a house and a car loan about a couple of months ago and it was rejected because my score was in a low 452 with a couple of negative items (including eviction, bankruptcy and a judgment), I was really devastated and perplexed. I ran into an old family friend, I explained everything to him and he eventually introduced me to a hacker who happen to be a former FICO agent. Just in 72 hours, he had my credit score raised to 768, wiping out the entire negative items with the addition of some good tradelines. I swore to reveal the hacker’s proficiency to the world if he should fix my credit. Well here I am recommending DPROTOCOL (DPROTOCOL7 at GMAIL dot COM) for your credit score & credit report issues, he is a true credit specialist. Just drop him a mail or text him on the above contact and be happy you did

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        Harry Mcleod 

        3 weeks ago

        I am a single Father with 2 kids and I have tried severally to boost my score to 800 and also clear the negative items on my report. However, i end up getting ripped off by hackers and credit Companies due to my poor credit. The best hacker named Charles came to my rescue, few weeks back I’m a fulfilled person. He changed my life and now I can boast of having a home all thanks To him. He can fix your credit report and increase your scores in 72hours. Reach him through the Email Creditpronetwork At gmail. Dot Com.

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        wessavoy3011 

        3 weeks ago

        He assure me a very clean result but i was still skeptical because there are too much fake hackers out there but I decided to go on faith due to the good reviews I've read about him online, He asked for upfront payment but I was broke and I was shocked when he's ready to help me with the little money I have with me. I thought it was a joke when he told me to be in 7 days! I was shocked with tears in my eyes when he help me increase my credit score to 791 plus excellent! I have no choice than to publicize his good work because I owe him a lot and I want to lead people to the right way! You can contact him via Richardgreenblatt credit repair At Gmail Dot Com, so you can get all your problems solved! He's also good in any sort hacking issues!

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        Chris Morgan 

        3 weeks ago

        I'm very satisfied with the service that this company is providing me. I

        didn't know what to do any more with all the debt I had . Until a good

        friend of mine told me about this company . I decided to join their

        program and I'm very happy with the result . I'm only have about 2 more

        payments to make and be debt free . Their customer service is great I

        can be a little bit of pain sometime but they were always very

        professional.Just let them know a previous customer referred you. ( WESLEYBRIAN@CYBERSERVICES.COM )

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        Steven Bolton22 

        3 weeks ago

        Don’t be deceived by what others do say about Robert Morris because i can give you assurance that he’s gonna get your credit score been increased within 72 hours. He just helped me to erase the eviction on my credit report without no traces and increased my credit score to 812 across the three credit bureaus. He is a credit magician because i can’t just keep imagining how he helped me to fix my credit mess. Give him a mail through RobertMorrisCyberService At Gmail Dot Com

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        Kyle Williams 

        3 weeks ago

        Competence is one thing we don’t need to undermine. Cybertech700@gmail.com has proofed to be competent, reliable and trustworthy. He used his wealth of experience in fixing my bad report, deleting all negative items including FBI reports and medical bills from my credit report. I now have rest of mind. I’m sure you won’t have any regret employing the services of Cyber Tech.. Thanks

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        staggs3011 

        3 weeks ago

        i have been able to hire the services of Richardgreenblatt credit repair(at)gmail(dot)com. Do you know him? He is an elite hacker who is popular, very popular in the cyber hack. there are also a lot of publications about him and his exploits in a couple articles on trusted blogs and forums. do you need to hire a hacker for professional service but you are also trying to avoid getting burned or lose money to fake ass hackers. Richardgreenblatt is one of the most reliable hackers out there, with over two thousand positive reviews ,I do not think anyone can provide you a service better than his.

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        Emila Legend 

        3 weeks ago

        I just recently got married and accepted into Park University. I had an eviction and my eviction was 6 years old therefore no one would even rent to me. I just wanted to get my life together and live a better life so I needed a credit repair company or freelancer to help me fix my credit ASAP. While making research on the subject, I discovered Computer Warehouse Group came most recommended and I hired them. They are the best fastest credit repair company in the states, in just 8 days, they got rid of the eviction and raised my score to 790. I bought a house thereafter and life became easier with my new credit history. Thanks to them and here is their contact: COMPUTERWAREHOUSEGROUP1 at GMAIL dot COM. You can contact them for your credit issues.

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        John Woo 

        3 weeks ago

        I had a great experience with Superb technologies credit solutions. They are trust worthy and the results are delivered on time. They are brilliant at what they do and I am extremely happy about the outcome of the end result. I had several collections and a judgement on my credit reports. Amazingly OPTIMUMCYBERSERVICE@GMAIL.COM completely wiped out all my derogatory accounts within a short period of time. My score was at 535 when I signed up with superb technologies and now my credit score is 810. I am very satisfied with the result. Now, I am getting all kinds of offers from various credit card companies. I told lots of friends and families about their services.

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        Brian Cooper 

        3 weeks ago

        Hi everyone, My name is Brian Cooper from the united states and i want to share my experience with everyone. I have being hearing about the increase of credit score for a while and i never really paid any interest to it because of my doubts and due to the fact that i lost a lot of money to online scam. Until one day i got in contact with an hacker called CYBERGURU. He is really good at what he does. So I inquired about the increase of my credit score. If it works or even Existed, he told me yes. But i still had my doubts. Then i gave it a try and agreed to his terms and conditions. Hoping and praying it was not a scam. Few days later my credit score was increased, It worked like magic. It was unbelievable and the happiest day of my life. I don't know why i am posting this here, i just felt this might help those of you in need of credit score increase. This hacker really helped in changing my life and he can change yours too. His job is 100% safe and without trace. Just contact him on his Email (CYBERGURU@INBOX.RU)you can also contact him via (657)214-1854.

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        GaryHarris22 

        3 weeks ago

        I’m a disabled veteran with a low credit score of 435 across my three credit bureaus report and some outstanding credit card debt. I barely met Credit Ghost Hacker who raised me FICO credit score above 750 excellent credit rating across the three credit bureaus and wiped away the outstanding credit cards debt on my report then creating a new credit file on my name to be able to get approved for any new apartment or mortgage loan. Email him via CreditGhostHacker at GMAIL dot COM

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        Megan 

        3 weeks ago

        I have been battling with my credit score because it was very low until i meet this hacker through a friend of mine He helped me to increase my credit score from 550 to 850 and also clear my negative records.I almost lost with no hope until this awesome hacker helped me to increase my credit score within 48 hours after I paid him half payment and when he gave me confirmation i paid the rest .,He can handle any sort of hacking issues as well.(mdemaris898@gmail.com) or +1(513) 360-8439

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        MasseyB 

        3 weeks ago

        Rich Skrenta You are so sweet for saving my life by helping me with complete shed light my 2 criminal records on Report and together with increasing my credit score to 800 greatest score within a couples of days. get him for help on mail at : (RICHSKRENTACYBERSERVICE'AT'GMAIL'DOT'COM) Thanks for keeping me away from the stress of life, once again you are very very sweet.

        Gratefull and Regards "Massey Betsy".

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        stevenadams19 

        3 weeks ago

        I can refer to you to Robert Morris for your past eviction removal or deleting of your negative items and hard inquiries off your credit report without no physical contact within few days. Get your credit score been boosted over 800’s across your credit bureaus score respectively and you can reach him through RobertMorrisCyberSerVice at GMAIL dot COM

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        bradreed3011 

        3 weeks ago

        Do you need help fixing your credit report?
I know of a professional and reliable hacker that can help you increase your credit score within some few days.
He can remove stuffs from any credit bureau, clear off maxed credit card debt ,and also remove late payments on trans union , equifax and experian and add good record accounts.He got mine fixed from 489-835 and with no traces..EMAIL: Richardgreenblatt credit repair At Gmail Dot Com

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        Marcus Morris12 

        3 weeks ago

        I’m a veteran patient and it’s really hard for me to take care of my bills without a good credit because i have so many loan deal been turn down due to my low credit score. I came across this credit hacker who really made things easier for me without getting us been chased out from our apartment and i can boost a new farmland i just purchased with a good credit score over 820 excellent credit rating and he also helped me to get my first mortgage loan worth $80k been approved. He is a hardworking person that never took money as the main priority and i would love you to get in touch with him via CreditGhostHacker at Gmail dot Com

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        JaredGobert12 

        4 weeks ago

        Have you been suffering from any credit deficit so far because i got a man who’s up for the credit repair job and is also an absolute credit score booster. He made an increase of score across my three credit bureaus above 820 respectively without no physical contact and erase the negative items on my credit report too. I got approved for a new apartment through his credit assistance and you should be able to mail him through Robertmorriscyberservice AT gmail DOT com

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        LillysStrange 

        4 weeks ago

        "PERMANENTCREDITREPAIRER AT GMAIL dot COM" are in the best position if you need to apply for a loan and they are also very grate recovery your criminal record on Report. you know what surprise me most was that i have some pending debt on with my bank and also on my credit card which have been paying for over 7 months now he cleared it all under 48 hours after i paid the money he bill me for the job. he's the best when it comes to any kind of hacking job, you give him a try and witness his best service. Thanks!!!

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        Samuel Bowen22 

        4 weeks ago

        Have you heard about this Credit Hacker who is a genius in repairing someone’s credit report? I think it’s the best for you to get in touch with him and be able to get your poor credit score been restored and boosted across your three bureaus without any regrets. I can guarantee you that is one of the best ever repairing credit services so far maybe you should get in touch with him through his mail at CreditGhostHacker at Gmail dot Com.

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        Jennings1Brown 

        4 weeks ago

        Expressing words of thanks is not only the good manners, but the right thing to do. is to validates the actions of the person who helped you. Rich Hacker are Really Kind, Dependable and Reliable to work with, he introduce me to A Loan company after he took away all bad record on my credit report and also help me increase my score to 820 GOLDEN SCOre !!! i can't thank him enough of his help! He's nothing less than a blessing from God. Get The Best Of Rich Skrenta On Richskrentacyberservice At Gmail Dot Com. you will be blessed with his service.

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        Herbert Carson212 

        4 weeks ago

        Glory be to God now i have found the best ever credit repairer so far because he really did some amazing credit work on my report within few days. He made me be able to get approved for a new home and helped me to increase my line of credit with an affordable price. He removed all the past eviction and criminal convictions on my credit report. Email him here at RobertMorrisCyberService at GMAIL dot COM

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        Emilia Flynn 

        4 weeks ago

        Have you met a hacker with a good sense of humor? Contact CREDITSPECIALIST for the permanent change of your credit score and permanent deleting of the hard inquiries on your report. I've used him twice and he came through, He's trusted, affordable and calm. And guess what?? He's my personal hacker now, I can't afford to lose great people like him. You might need him to change your life as he also clear debts on accounts and credit cards. He's the best I ever seen: (CREDITSPECIALIST4 at GMAIL dot COM)

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        Edinson Ward 

        4 weeks ago

        I had issues with my credit score and I wanted to get a loan so that I can be able to get a car. A friend of mine introduced me to a Credit Specialist named NEWHORIZON CREDIT. He help me increase my credit score to 831 within 72hours. He is real, fast and secured and affordable price, Contact [NEWHORIZONCREDIT1 at GMAIL dot COM].

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        Ryan giggs 

        4 weeks ago

        I just knew without a good credit score that life is so meaningless but i’m grateful for what my cousin did for me by referring me to one of the best hacker i have ever come across because he was the one that paid off my car payment and erased the past eviction from my credit records without demanding for so much from me. Mail him at RobertMorrisCyberService@GMAIL.COM

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        LillyStrange 

        4 weeks ago

        "PERMANENTCREDITREPAIRER@GMAIL.COM" are in the best position if you need to apply for a loan and they are also very grate recovery your criminal record on Report. you know what surprise me most was that i have some pending debt on with my bank and also on my credit card which have been paying for over 7 months now he cleared it all under 48 hours after i paid the money he bill me for the job. he's the best when it comes to any kind of hacking job, you give him a try and witness his best service. Thanks!!!

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        jaymiles3011 

        4 weeks ago

        Well in the United States, your credit score can also affect your insurance rates. Insurance companies think your credit score reflects the risks involved in insuring you. For me this is very important because insurance is expensive and with a bad credit score could increase my insurance premiums dramatically.

        So i always keep my hacker close friend (richardgreenblatt credit repair At Gmail Dot Com). He removes late payments or any stuff you wish to remove from your credit report and boost your score to about 740 to 821, for an affordable amount.

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        dainawood2653 

        4 weeks ago

        I never knew a post could be of such helpful until i saw a post about a professional hacker known as Richard ,I was in need of a hacker to hack into my report and increase my score until i came in contact with (Richardgreenblatt credit repair AT GMAIL DOT COM)i bet to recommend him to the world if my score increased and he told me to wait for 50 hours and i got excellent result from him,here i recommend him as my best hacker. I would forever be indebted to him and i really appreciate him for a job well done. I already made him my personal hacker and i advise that you do the same.

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        BradleyHoward889 

        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 a try, and he didn't disappoint. Before i emailed him i had hard inquiries, and he cleared those within 3 days including raising my credit score to a golden score and assisted me in securing a loan. 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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        Derrick Henry 

        5 weeks ago

        Email ROBERTMORRISCYBERSERVICE@GMAIL.COM for any credit help or assistance because i can assure you that he will help you to boost your credit score within few hours and get all the negative items, hard inquiries, Eviction or any criminal Convictions been deleted off from your credit report. You can be able to make use of your new credit for purchasing of a new apartment and get approved for any mortgage loan.

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        LenwoodHoover22 

        5 weeks ago

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

      • profile image

        Isaac Robert 

        5 weeks ago

        Hello

      • profile image

        ArianaDecoux343 

        5 weeks ago

        I read some reviews about Robert Morris credit repairing services and i was forced to work with him without no second thought. He helped me to raised my credit score from 527 to 820 approximately without leaving any negative items and hard inquiries on my credit report. I got my mortgage bills been paid off and just got approved for a new worth $120k with low interest rate. You can make more enquiry from him through RobertMorrisCyberService at GMAIL dot COM.

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        PaulWalker212 

        5 weeks ago

        I met this hacker name Robert Morris through a credit forum and decided to work with him in repairing my bad credit records. I got in touch with him about my bad credit then he told me to forward the necessary information needed for the credit repair and told me that he will get everything done for me within few days. After, i got a mail from me to check my credit karma and couldn’t believe that my FICO Score went up to 790 with an excellent credit rating on my credit file. I can’t thank him enough than to recommend his services to y’all so you can get in touch with him also through ROBERTMORRISCYBERSERVICE at gmail dot com

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        BobbyCarrol232 

        6 weeks ago

        Robert Morris really contributed to my life because for the past few months since i haven’t been able to get approve for a new home to move in with my family due to my low credit score. I couldn’t be able to apply for any loan too until he raise my credit score up to 822 across my credit bureaus score and deleted the past eviction on my credit report. He is a trustworthy man and one of the best hacker i have ever met so far. Get in touch with him through his mail at RobertMorrisCyberService At gmail DOT com.

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        MicheleCarter1 

        6 weeks ago

        I'm grateful with the help of ANONYMOUS TRUCKER who erased eviction from my credit report and He also help me raise my credit score to 831 excellent score within 72 hours I'm glad because I needed it. He is real and fast, secure without traces Contact him for your credit issue (Anonymoustruckerexpert At Gmail Dot Com)

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        kevin3456 

        6 weeks ago

        I was once in a bad shape when i experience low credit score of 495,I lost hope and got disappointment, then i decided to go thorough some blogs and i found more comment about this hacker Richard Greenblatt .I have no choice to give him a try. i was a little nervous when he told me to pay for his service.which I did and finally I saw some result on my report .I never knew a post could be such helpful until my score increase to 790 plus excellent within 24 to 78 hours I’m here to recommend him contact him via Richardgreenblatt credit repair AT GMAIL DOT COM.

      • profile image

        gale53763 

        6 weeks ago

        I almost lost hope on my last contract due to my low credit score.Am so smooth at hiding my infidelity to someone but at this stage i have no choice to express my feeling to the world.i was finally referred to this amazing hacker and i explain to him how i was rip off by some programmers and my score still remain the same.He told me to wait for 72 hours and my score increase to 805 plus excellent and I get to live in peace and ready for the next contract.i promise to recommend him to the world if my score increased. Contact him via Richardgreenblatt credit repair AT Gmail Dot CoM

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        BrianWilson332 

        6 weeks ago

        I have never had such a bad credit score until i just got back from Surgery and couldn’t be able to catch with the bills especially the medical bill but when my brother heard about everything then he told me to get in touch with Robert Morris which i did. He took him only few days to have my credit score been restored back to over 820 across three credit bureaus and paid off the outstanding bills on my report. He is also specialized in removing past eviction and negative times removal. You should get in touch with him through his mail at ROBERTMORRISCYBERSERVICE@GMAIL.COM

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        KlayRose121 

        6 weeks ago

        I have never see such a credit miracle been done on my report until recently when i got introduce to Robert Morris about repairing my credit and he didn’t took him much time to get everything done for me within 72 hours. He raised my credit score above 800’s respectively across my three Credit Bureaus and erasing the past Eviction on my credit report too. He is an upright man and very humble indeed. For contact info, mail him at ROBERTMORRISCYBERSERVICE at GMAIL dot COM.

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        James Johns232 

        7 weeks ago

        I have been homeless for months now but to God be the Glory and i just moved in my newly furnished 3 Bedroom apartment in LA. I’m really grateful about what Frank Maguire did for me because he really make life easier for me and just got credit cards worth over $40k in total after he helped me to remove the past eviction on my credit report without no physical contact. Give him a mail at FrankMaguire313 at GMAIL dot COM

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        bruceprice25435 

        7 weeks ago

        I want to share a vital information with anyone that needs this Information, if you need the service of a professionals hacker who can help you with credit repair .I can rate him the best so far since I have been giving my request to him which all has been positive. If you need his services contact him via email RICHARDGREENBLATT CREDIT REPAIR AT GMAIL DOT COM.

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        WayneCrawford2112 

        7 weeks ago

        After he might have removed the past eviction and bad negatives items from my credit report. He also help me in boosting my credit score across the three credit bureaus and raised my credit score to an excellent rating without no physical contact been traced after the repair. Give him a mail at Robertmorriscyberservice AT gmail DOT com.

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        SeekHolly01 

        7 weeks ago

        I have run into lost, My Business was not moving fine has before so i decided to go for A Business Loan But i was demoted of my very poor Score. i was very embarrassed and bastardize about this plus i don't even know what to do again i contact a friend Called 'Kevin' for help, He introduce me to an incredible Hacker i never believed him because i have been scam by many of mock-up hacker but he's quit different with his best and fast service. I decided to make use of him and he did a grateful job by making a drop on my outstanding loan that has not yet been paid and help me apply for a loan to start a new life with my business and also increase my credit score to 810 excellent along the line. I am forever grateful, Stop Spending Too Much With Someone Else Get Him For Your Worry's On : RICH-SKRENTA-CYBER-SERVICE AT GMAIL DOT COM

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        Gayle Keller 

        7 weeks ago

        I decided to contact him when i was going through hard times and couldn't fix my bad credit on time and I've been cheated by some group of people. I contact (Anonymoustruckerexpert At Gmail Dot Com) and explained my story to him and he didn't hesitate to help me , He help me delete that particular negative items on my credit report and help me increase my credit score to 790 excellent within 48 hours. I will advise you all to get to him if you have any credit issues, He's an expert and he's the best man for the job.

      • profile image

        Nick11Blake 

        7 weeks ago

        I'm So Grateful as i am concern you're the best of all and you really different from all fake hacker claim to be be real hacker, He really change my entire life from Grass to grace. i never believed i can ever get my credit score fixed but with "PERMANENTCREDITREPAIRER at GMAIL dot COM" in made it fixed to 805 excellent score and also boost my son school grade and also helped me fixed my criminal record on Credit Report. All Thanks to him and Heavenly Father who make me came across to him.

      • profile image

        Mark Joel212 

        7 weeks ago

        I can’t just thank him enough because i barely know him and he really change my whole story after me and my family just moved in a new apartment in Chicago. Frank has really been working on my credit for just few days and boosted my credit score above 800’s after he helped me to remove all the eviction and hard inquiries off my credit report. You can make more enquiry from him though FrankMaguire313@GMAIL.COM

      • profile image

        CarolynTalley 

        8 weeks ago

        My best hacker still remains firewallbreachexpert atgmaildotcom, actually the only hacker i've worked with. He's the reason for my happiness today. After he increased my credit scores and cleared all my late payments. my life seemed like it refreshed but this time on a much better foot.

      • profile image

        Randy-John 

        8 weeks ago

        I never believed him not until he prove his self real and legit to me, i never believed someone can do this but he did it and what was that? He help me clear both my wife and Hi balance 20,000 dollars loan that have been paying ever since 1 year 8 month and also increase my credit score to 820 Golden Score. I'm Forever Grateful Sir ! Get him for help on his Regular Mail: PERMANENTCREDITREPAIRER at GMAIL dot COM

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