Increasing Your Credit Score from 550 to 750 in Twelve Months

Updated on May 3, 2016
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It seems like every day that I run into someone who tells me that their credit is seriously messed up and beyond repair, whether it be the result of a divorce, student loans, or old debts that they never paid off. Everyone thinks that their situation is worse than anyone's has ever been and that their credit can never be fixed. Does this sound like you?

Well, for you and all the people that think their credit can never be repaired I have news.

First, let's talk about the three credit bureaus and your credit scores. There are three bureaus that lenders use to check your credit. Some may use more than one, but the majority simply pull from one bureau. About half the time, when you default on a debt, it is reported to all three bureaus. However, it may also be reported to one or two of them. Each bureau scores in pretty much the same way. Credit scores go from 300 to 850. 300 is dismal and 850 is perfect. Most people that I talk to think that their credit score is around 300. However, after checking many people find that their scores are higher. It is definitely worth trying.

What Does Your Credit Score Mean?

Believe it or not, to get approved for a mortgage, car loan or any other type of financing, all you need, assuming you have the income to make the payments and employment and stable housing, is a credit score of 620-650 or higher. A credit score of 750 will pretty much guarantee that you are approved for whatever you are attempting to finance, and it doesn't take very long to achieve this kind of number.

Getting a Copy of Your Credit Report

The law allows for two instances where a person can obtain a totally free credit report:

  • Once per year.
  • When you have been turned down for financing based upon your credit report if requested within an allotted period of time.

The official site for the free yearly report is www.annualcreditreport.com. You'll have to verify some information so that they know it is really you. This site does have a function for online viewing.

What you want is a site that will let you pull a fresh copy of your report whenever you want, so that you can see how your efforts are affecting your scores. You also want a company that lets you view all three at once, in an easy format. The only company that I have found that offers these things is called Credit Check Total. I won't include a link lest someone think I am hawking an affiliate product (I'm not), but I do recommend them and use them myself. It's twenty bucks a month, but you can look at your credit report as many times as you want. Whenever I have had a question it's easy to get them on the phone and get an answer.

What to Do With Your Report

The first thing that you'll want to do is sit down and make a list of your debts. I would separate them into three categories, which I affectionately call:

  • Probably—Can pay off in one lump sum.
  • Possibly—Will take longer to pay off.
  • Hell No—Just can't pay off.
  1. Now, go through your list and cross off any debt with a most recent date of activity that is six years old or more. Generally speaking, a delinquent account can show up on your credit report for up to seven years from the time your first delinquent payment was originally due on the account. These debts will drop off by the time our twelve months are over, so we don't need to worry about them. One exception to this rule is a student loan, which will never fall off your credit report until it has been paid in full.
  2. Take a pen and paper and make a plan to pay off all of the "probably" debts over the next twelve months. You'll want to pay them off in one lump sum—,we'll go into why later, so make sure that you allow for that. If you only have $100 a week you can spare to pay these debts and the amount owed is $400, then allow four weeks for that particular debt. Remove the probably's from your list.
  3. Look at how much money you have left over and determine if you can pay off any of the "possibly" debts. If you can, make a plan for those and remove them from your master list. Now, you should be left with a few possibles and one or two "Hell No's". We have a plan for these, don't worry.

The Route to a 750 Score

There are two ways to remove negative items from your credit score, and one isn't to pay them. At least, not just to pay them. There is a process for paying off your debts and if you head into this venture gung ho and start calling up every creditor on your list, you'll do a lot more damage to your credit score than is already done.

First, let's discuss the two methods of removing negative information.

Method One: Pay the creditor and request that they remove the negative information. Basically, they withdraw their submission of unpaid debt. Some will tell you that they are unable to remove the information and if they are the original creditor, this is utter horse dung. They are perfectly able to remove it. Now, be forewarned, you may have to get tough with some of these creditors and explain that you are attempting to clean up your credit. Tell them that you are making those creditors who are willing to remove the negative information for payment of the debt a priority and if they refuse to remove it, then you will be forced to put them at the bottom of your list. They may threaten to see you in court and garnish your wages and take your first born baby, but in fact 99.9% of the time they will do nothing of the sort.

A different situation exists if the original creditor has charged off the debt and sold it to a collection agency. You'll know if this has happened, because when you call the original creditor, they will tell you to call so and so collections. Do not plead or argue with the original creditor to remove the debt or take your money. It will not work. As far as they are concerned you no longer owe them money, your debt was paid by the collection agency that bought your debt. Instead, simply thank them, hang up, and move that particular item to the "Hell No" column.

When we begin the plan, you will call one creditor at a time from your list of probably's, only after you have the money in hand to pay the debt in full. You will then attempt to negotiate a settlement for complete removal of the negative information from your credit reports (however many it exists on) and get that promise in writing from them, as well as the settlement amount. When you have it in writing, you pay that creditor and you move onto the next one.

Method Two: Obviously, we're not going to be able to pay everything on our credit report in most cases, so we have a different method for dealing with these debts. You are going to dispute them. Pick one debt per two week period and send a certified letter ( not a phone call, a letter) to the credit bureaus that list the debt and dispute it for whatever reason you can think of. You can say the dates are wrong, the amount is wrong or the debt simply isn't yours or it was paid.

A law exists that credit bureaus must remove negative information if the customer disputes it, and the company that listed the debt doesn't prove that the debt is owed and is correct within thirty days. Most companies fail to send it off within the thirty days and many may not even be able to find the records, especially if the debt is a few years old. However, if you send in too many requests at once you will be flagged as a frivolous disputer, and you won't get anywhere. Send one debt in every two weeks, or even more spaced out over the year period if you only have a few.

These two methods combined are going to remove almost all of the negative information from your credit report and will bring the score up considerably. However, we are not finished. At the same time that we are removing negative information, we're also going to rebuild your credit.

The Final Hurdle

The very first month that you begin this program I want you to beg, borrow, or steal $300 and get yourself a secured credit card. A secured credit card is one that works exactly like a credit card, but with the credit line secured by a cash deposit, which you usually receive back within a year of using the card responsibly. This is not a debit card. The money you secure it with is not yours to spend, it's your collateral to obtain this credit card. There are many companies that offer this service. Before you go shopping for one, I want you to find one that meets the following criteria as closely as possible.

  • Reports as a credit card not as a secured credit card.
  • Reports to all three bureaus.
  • Reports minimum quarterly, preferably monthly.

The first is non-negotiable. You must find a card that reports as a regular credit card or you will benefit very little from what we're about to do. The second is almost as important, since we never know which credit bureau a potential lender will pull from. The last, monthly or quarterly. Make sure it's one or the other.

Now, begin using the card to buy something each month that you were going to pay cash for. Put the cash away and when the credit card bill comes, for gosh sakes pay it.

Repeat in month three. Yes, I'm telling you to come up with another $300 and get a secured credit card from a different company. Use it the same way, spending say $10 a month and paying it off immediately when the bill comes. No late payments, no “I'll pay it next month” and no paying the minimum. Pay the entire bill off each month on both cards.

Finally, in about six months you're going to go shopping for a store credit card. These are quite easy to get with very little of a credit history and you should be able to get one quite easily. Then, use it just like the secured cards until the end of the twelve month period.

Conclusion

Use the credit checking website you joined up with to monitor your credit as you pay off debts, get them removed, and dispute others. You will also see good payments begin to appear and your score will begin slowly climbing up, gaining more and more momentum. With these steps, you should be able to move from 550 to 750 in a year. Good luck with your journey!

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      VeronicaAdams868 4 weeks ago

      Get in touch with best credit specialist named Aaron Swartz for your credit repair. He will help you boost your credit score to 800 excellent plus and erase all your negatives collections on your credit report within 72 hours. He is real and affordable price, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      MichaelWilliam09 4 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,this how i can appreciate his good work you can reach him through his email on CREDITSPYGENIUS AT GMAIL DOT COM or text +14804396649

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      judith britton 5 weeks ago

      I wanted to let you know that i referred a client to you that had been very skeptical of credit repair companies. He had been "ripped off" before by a credit repair company and so called hackers. I found good reviews and testimonies about your work. You did such a good job (you always do) and he was very happy. He even called us back to say thank you for giving him your number. So, THANK YOU! Thank you for having the integrity that others don't. I will love to work with you because I know that you will do what you say, and do it quickly, effectively and at a fair price. And as a general referral you lots seeking a credit reprieve, repair and turn around can reach out to this genuis on email: thecybergeek@mail.ru or cell: (615) 592-0053.

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      Frances233 5 weeks ago

      If you haven’t contacted Proton Virus for credit repair service on PROTONVIRUS123@TECHIE.COM don’t hesitate to do so because he is the real deal. My name is Frances I wanted to get a home fitted for me and my 11 years old daughter but my credit was in bad shape, I had late payments, eviction and my credit score was 550. One beautiful morning I was on my day off then I decided to check for better hackers online and I came across proton virus, I contacted him and told him I need his service. We discussed the process and started immediately, within 10 working days he sent a text that he job is done and a copy of my new profile with my score raised to 799 and the negative items erased, it was a dream come through and I bless the day I contacted him. Contact him with the above email and have your credit report fixed also tell him Frances referred you.

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      CorneliusMeyer 5 weeks ago

      I was about to apply for a mortgage loan before i discover my credit score was 575 and i couldn't get the approve for the mortgage loan at that moment because of my low credit score. My old friend of mine introduced me to this genius hacker called Aaron Swartz, I get in touch with him for help and to my surprise, He increase my credit to 835 excellent and delete all negatives collections on my report. He helped me delete all negatives items on my report, I got approved for mortgage loan. He's the best when it comes to credit score, His services are cheap and affordable. Contact him for your credit fix aaronswartzcyberservices At Gmail Dot Com

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      Charlotte Brandon 5 weeks ago

      If you have credit score issues due to bad credit report or Some credit blunders such as a bankruptcy or scads of late payments that can take years to go away.There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My lawyer mentioned BOMVIRUS@REPAIRMAN.COM who assisted over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could actually fix my credit profile too, i already thought i need to work all my life to pay up all this dept. But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get it completed. After then, My whole story changed, he did not just remove the negatives items on my report only, but also increased my score a bit higher up to 850 just in 7 business days. I owe a lot to BOMVIRUS and that's why i'm here sharing the testimony that someone might be assisted likewise. Be safe kindly text him through +1(205)598-3011 for an ideal hack..

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      Antho03 5 weeks ago

      My name is Anthony from NJ, I became a big fan of cyberhack005@gmailcom after how he helped me repair my credit with his skills and knowledge. I had 12 account and negative on each credit bureaus an error when I was young a lot of us do have it because we wasn’t taught about credit my score was 488 after offering me his service, with Experian I got 8 account deleted and my score jump to 771 I’m extremely happy with the results. With TransUnion it was 472 with 12 account and after offering me his service 781 with 8 account deleted. With Equifax I had 12 account with 8 account Deleted, my score was 466 and now I’m 810. All this happened after we both agree on a deal, I further asked him if credit bureaus won't reinstate my scores and all accounts that was deleted, he boldly answered (YES) up to a year now it's still working. Thank you your program really Work

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      Josh Foster 5 weeks ago

      i got a bad credit score when i was going through divorce with my wife and i lost most of my things since then i haven’t been able to catch up with the bills so i have to tell my friend about my issue so he advice me to meet this Hacker name Robert Morris. He helped me to clear all my negative items on my credit report and increase my credit score to 825 excellent and i got approved for car loans, house loans and be able to catch up with bills. Thanks to him and i’m sure he can fix your credit for you also. You can contact him through his mail: Robertmorriscyberservices At Gmail Dot Com.

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      StephanieWise 5 weeks ago

      I just want to show my appreciation to Aaron Swartz as promised for helping me fix my credit report. I had an Eviction, Judgment on my credit report and low credit score. After working on my credit profile within 72 hours, My credit score increase to 831 excellent and All the negative items on my credit report were deleted permanently and He help me increase my two credit limit to 15k limit, God bless him. You can contact him for a similar help because he is reliable and efficient in his job email aaronswartzcyberservices At Gmail Dot Com

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      lornar324 5 weeks ago

      At first I want to say a Big thank you Lord for all he has done in my life. I know it wont sound great talking about religion on here but i truly believe God led me though to find Notable spy who helped me out of my delicate situations. It hasn't been easy all my life with a low credit score since 2012. I had been scammed by two other credit repair companies before. One called CRS and the other called Lexington Law. I had an issue and my FICO Credit Scores went from 635 to 450 in 2 months because of 2 fake hackers I paid to take care of my Credit as both promised me 780+ Scores in a week time. I spent money and nothing but headaches and bad Credit was the result.Utill i met Daniel a very gentleman of over fifty years of age, He helped me out firmly and I know God must have used him to me. because we weren't suppose to talk religion but after a while we were talking about how we were both Christians and that God doesn't want anyone to suffer. He mentioned his church and actually opened up about how he had to have faith and work with notablespy over his credit report. I explained how i have to move out of my place, with tears on my face I could tell he really cared because he consoled me. He told me he wont make promises but he will work as hard as possible to help me. later on he introduce to me this reliable credit repair company name Notablespy. i work with him with possible ability of me then within 5days my credit report was already being an impressive one. My mortgage counselor was Felicia she was amazing. Very sweet. She told me I qualified fairly quickly because I was very active in gathering the documents they needed. I just want to say to anyone out there who might read this and feel unsure about if they will help. THEY WILL! Look, Notable spy has been operation for 12 years now. i get to know more about them, they got to make sure their clients will be committed and serious to finish the entire program because their reputation is based on their success rate.. Im thankful to notablespy and that’s why i’m here sharing the good news right here. you should mail at Notablespy(dot)org(at)gmail(dot)com you really gonna enjoy this offer leaking out

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      michealhacker 5 weeks ago

      Hacking made easy and look no further cos ur security and happiness is our priority.

      Our services include:

      *School Grades Hack *Improve your credit scores

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      contest+12104605318

      Interested parties should Email via carolinestillwell24@ gmail .com.

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      LynnWebb 5 weeks ago

      If you’re going through issues with your credit report and upgrading your credit score, I will recommend you to get in touch with Aaron Swartz. He help me increase my credit score to 830 excellent and He erase all my negative items on my report within 72 hours, Am very happy right now have gotten a loan to purchase my House. So i can now take care of my family, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      simon micheal 6 weeks ago

      F R E E D O M _ H A C K I N G [@] H O T M A I L . C O M

      Thank you for getting me back to my feet after years of financial crises ,hardship and years of payment of Non refundable fee to an undisclosed credit repairer company located in San Francisco without any improvement.

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      ElenaWilkerson 6 weeks ago

      I was able to raise my credit score with the help of great hacker called Aaron Swartz and it has been stable ever since then, I was amazed myself though. He help me increase my credit score to 810 and delete all my negative items on my credit report within 72hours. He is real and affordable price, Contact him for your credit fix aaronswartzcyberservices At Gmail Dot Com

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      peytonsanders5434 6 weeks ago

      There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about notablespy assisting him over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could fix my credit profile too. I already thought i'll need to work all my life to pay up all this dept. But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get completed. After then My whole story changed, he did not just remove the negatives on my report only but also increased my score a bit higher up to 800 just in 14 working days. I owe a lot to Notable spy and that's why i'm here sharing the good news right here. Be safe kindly mail at Notablespy . org (@) gmail . com for a safe hack.

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      Steve 6 weeks ago

      The best article on credit I have ever read! Thank you!

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      GlenFloyd 6 weeks ago

      A friend of mine shared a testimony of him working with a hacker he met online and how professional he is, so i told him to link me up with the hacker called Aaron Swartz. Then i get in touch with the hacker that i want to increase my credit score, He said is capable. Then he help me increase my credit score to 830 excellent plus and He help me delete all the negative error on my credit report within 72 hours. He also help me increase my credit card limit, This is my way of showing appreciation for a job well done on my credit report. Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      Bill Paul5050 6 weeks ago

      I had some bad criminal records on my credit report and i went through hell when my credit score was bad. I was scammed couple of times before i meet this great team.They helped increase my credit score from 435 to 800. I was really surprised that they helped me to fit my credit score within 48hrs, even though I doubted them at first because they told me to pay an upfront service charge, before any action can take place. I'm so shock because i couldn't believe my eyes. I have to wait first before publicizing their good work because their work are permanent, fast and affordable. I know people need them out here. I advise you to contact them for any credit service so you can get in touch with them through their regular mail: Albertgonzalezcreditrepair AT GMAIL DOT COM.

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      jeffreysmith2424 6 weeks ago

      I got charged with a DUI (driving under the influence of alcohol) during summer and I had to give the court about $1500, life became frustrating at a point that If I’m found guilty, there will be conviction on my record, I almost lost my job during the whole mess then a coworker who had his criminal records erased told me about Robert Morris. He only took him just 72 hours to fix my DUI records and to my very surprise he fixed both my DUI records and increased my credit score in a way I didn’t understand he removed all negative entries from my credit report back when I had bad credit. All I can say is, Life is good when your problems are solved. You can get to him via his email: Robertmorriscyberservices At Gmail Dot Com. He will make you have zero hard inquiries on your credit report and maximize your credit score.

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      peyton sanders 7 weeks ago

      There are a few recommended steps you can take to improve your credit score that put you on the path to a good credit score. Improving your credit score is all about doing the right things over a long period of time. My colleague mentioned about notablespy assisting him over his credit score and how they clean up DUI report and Chexsystem. I wondered if they could fix my credit profile too. I already thought i'll need to work all my life to pay up all this dept. But at my very state now I have my very low score of 465 brought me up to 750 within every 48 hours to get completed. After then My whole story changed, he did not just remove the negatives on my report only but also increased my score a bit higher up to 800 just in 14 working days. I owe a lot to Notable spy and that's why i'm here sharing the good news right here. Be safe kindly mail at Notablespy . org @ gmail . com for a safe hack.

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      CarolynIngram 7 weeks ago

      I have been battling with my low credit score until a friend of mine introduce me to this Aaron Swartz. Who helped me increase my credit score to 838 excellent and delete all negative items on my credit report. He also pay off mortgage loan on your credit report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy. I don't have a choice to review him to the wold in case you guys need such assistance. I will advice you all to get in touch with Aaron Swartz on his regular email aaronswartzcyberservices At Gmail Dot Com

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      Dan Long320 7 weeks ago

      I have been in several debts since my last divorce with my wife after the court took everything away from me so my credit went down when i couldn’t be able to afford to pay off my bills and I can’t afford to apply for a better job and was rejected for mortgage several times so I spoke with a mortgage specialist about purchasing and her advice was to get my credit score up to 750 at least before i could qualify for a mortgage. Thankfully, I met a hacker called Albert Gonzalez by name through several recommendations on Google who helped me upgrade my credit score to 815 and removed the negative items on my report in just two days. He works with discretion and He's a life saver also. You can write him on Albertgonzalezcreditrepair At Gmail Dot Com.

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      kathclark 7 weeks ago

      My credit score was 415 and I couldn’t get approved for a loan and my life really sucks then because I got kids I have to take of their bills but thanks to almighty God After a few days later, where i met a hacker who really change my life for good. Now I can apply for just about anything that I want,after i got my credit score increased to 780. I can't thank him enough. You can send him a mail through Albertgonzalezcreditrepair@gmail.com.

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      Patty Hancock 7 weeks ago

      If you need help with any hacking service or credit repair just don't hesitate to reach out to this professional hacker by the name Robert Morris. You can contact him through his email: Robertmorriscyberservices@gmail.com or Text him (657) 444-7620. This hacker help me to get a loan when i had a lot of bills to pay and he also help me to increase my credit score from 550 to 820 and erase my negative items on my credit report. This man literally saved my life and I don't think I would ever hire another hacker again in my life after i already lost over $2000 to fake hackers and i was pleased after everything.

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      GabrielAlex 7 weeks ago

      You might be facing hard times now but the worse is taking wrong steps for solutions. If you are troubled and you need a hacking job to be well done kindly contact Notablespy . org @ gmail . com this is a hacker from Russia, i must tell you this service is clean and legit (never a scam) Notablespy has been in existence for over 12years. I have met this hacker before, its been four years now he helped me hack into the company website where i gained my job he helped me convert my name into the company's employee apply list. He did it clean and safe without traces till now. Notablespy first. I bet you find a way to thank me later. stay safe.

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      Jessicallaura 7 weeks ago

      I had my credit score increased to 750, after i contacted one of the best credit repairer with great concept and reviews, I contacted him for both credit score improve and removal of all unwantedcollections,So i always keep my hacker friend (CREDITSPYEXPERT) close. He removes late payments or any stuff you wish to remove from your credit report and boost your score to about 700 – 800,for an affordable amount.contact him CREDITSPYEXPERT@GMAIL.COM.

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      James Minnis 7 weeks ago

      Hello, i came here to tell you about a hacker named Albert Gonzalez who i read an article about him on google where he started hacking at the age of 12 when he bought his first computer and he also hacked over 170 millions of credit and debit cards. i told him that i had a bad credit of 520 and he helped me to erase my credit inquires and increase my credit score to 823. He can also fix a Chexsystem and a DUI. You can easily contact him via email: Albertgonzalezcreditrepair@gmail.com . Be rest assured your problems will be solved because he’s the best of his kind.

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      Tom Shepherd 7 weeks ago

      Searching for a credit repair company can be hectic, I am pleased with the results this credit fixer CYBERGEEK has given me for a very considerate fee. I have never seen so much compassion for helping others, my personal credit repair consultant recommended him. I had a low 495 FICO score, with a handful of negative marks (collections, inquiries, repo, liens and a judgement that did not go my way from a divorce). He did the magic and removed all negative and derogatory items, giving my reports a clean bill. In 10 days my credit score across all bureaus was in the 760s. I refer all of my family and friends here, he is hands down the best credit specialist out there. I and my wife are thinking about opening a business soon, we have also been approved for an equity loan and mortgage plan. You can also have your life changed by contacting the genius on (THECYBERGEEK@MAIL.RU // +1 615 592 0053)

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      Derick Waymire 7 weeks ago

      I was in a really bad shape with my credit score of 567 and Yuri brought me up to 800 in less than 48 hours.Can't figure out how he did it but he did! Flood his inbox he is the perfect Credit Repair Man PRIVATEINVESTIGATOR1967ATgmail.com

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      MaryannLyons 7 weeks ago

      I will advise you all to get in touch with Aaron Swartz is the best credit specailst because he’s the best, legit, swift and very affordable price. He will help you increase your credit score to 800 excellent plus and He will also help you clear all the errors on my report within 72 hours. His services are fast, Get in touch with him on his regular email aaronswartzcyberservices At Gmail Dot Com

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      Patrick Neyer 7 weeks ago

      I know a real professional hacker who has worked for me twice just last week . He is very good at hacking. He offers legit services such as clearing of bad records online without it being traced backed to you, he clones phones, hacks facebook ,instagram, whatsapp, emails, twitter, bank accounts,FIXES CREDIT REPORTS, tracks calls. He also helps to retrieve accounts that have been taken by hackers and he also grant people loan. He works for a program ( Federal Government 2018 Assist Grant Fund ) that compensate disable, Retired, Un-Employed, Old, Divorce and a lot more in order to eradicate poverty. You can reach him on Robertmorriscyberservices@gmail.com or Text him at (657) 444-7620 for more info.

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      Scootorg 7 weeks ago

      Hey friends i'm scoot, Just because you have a poor credit history doesn’t mean you can’t get credit. Creditors set their own standards, and not all look at your credit history the same way. this is the best and reliable hacker [CREDITSPYEXPERT] that can repair you bad score in 2 days, Reach out to them if you have any credit issue and believe me it’s already solved and avoid been scammed by all this fake repairers again, contact him CREDITSPYEXPERT@GMAIL.COM, i believe you thanks me latter.

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      DeweyRussell 8 weeks ago

      I am here to share a testimony about this great hacker called Aaron Swartz who helped my life. Aaron Swartz was able to quickly increase my credit score to 831 excellent and remove every negative items from my credit report within a manner of 72 hours. I applied for a mortgage loan which required a high credit score, I got the mortgage loan the sum of $150,000 just because my credit report showed that I am a responsible and reliable person. I completely recommend Aaron Swartz for your credit repair, Get in touch with him on his regular email aaronswartzcyberservices At Gmail Dot Com

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      Kelvin Smith90909 8 weeks ago

      I’m Kevin smith from south Africa and i'm here to recommend a hacker who help me to remove and fix my ITC transition and Experian within two days.

      After he had helped my brother to fix and increase his credit score for him. I’m really grateful i met him and i would love you guys to get in touch with him and

      Thanks me later But make sure you drop him a mail regarding your issue.

      Hit him up on his work email ROBERTMORRISCYBERSERVICES@GMAIL.COM.

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      RhondaCarlson876 8 weeks ago

      Get your credit cleaned with the help of a Aaron Swartz, He's tested and trusted. I had a very low credit score around 415 and could not get a better job and was rejected for mortgage loan 2 times, I needed help. I fixed up my credit score up to 800 excellent plus with the help of Aaron Swartz and He also help me delete all negative item on my credit report within 72 hours. I got approved for mortgage loan, This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help on his regular email aaronswartzcyberservices At Gmail Dot Com

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      JeanetteByrd 2 months ago

      He is best out there! I recommend Aaron Swartz to you all, When I contacted him and told him exactly what I want him to do he got it done surprisingly and I made the payment, He help me increased my credit score to 800 excellent plus and removed 5 negative items on my credit report which prevented me from getting a mortgage to get a house for my family. I thank Aaron Swartz for helping me and I got approved for loan and mortgage. Contact him on his regular email aaronswartzcyberservices At Gmail Dot Com

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      To Bryan Snyder 2 months ago

      This wacker supposedly raised your credit score to 841 but only raised your credit card limit to $4,500? Lmao. Clearly you are lying.

      Do you know how much a person with that credit score could get approved for? But then again what would you know you are not even an American Citizen lol

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      Dont let him fool you (part 2) 2 months ago

      These are lame wannabe hackers. If they were any good they would at least be able to afford not one but many paid email accounts to look more legit instead of using gmail lol lol lol lol

      You guys are a joke. At the very least post a link that directs people to a fake website you created that imitates Paypal or similar lol. Btw people the only way these so called hackers can help you is by paying your debts with other peoples money(stolen credit cards). From the looks of their inexperience they will only help you temporarily. By the end of the month you will be in debt again from all the chargebacks lol lol lol you will probably be charged extra for returned payment or even worst be charged with fraud if the victim decides to investigate and press charges which shouldn't be hard because the account paid was under your name lol lol lol these wackers dont care about yall. If you people really want to fix your credit score i suggest you listen to the author of this post. Anything else will only set you back. Unless i help you of course but like i said im retired. I have sold many hacking tutorial's in the so called Dark Web. People are still buying them lol im not going to promote anything on here especially to these noobs. They are not worthy enough to learn my technique's. I bet they are still buying gift cards and selling them on paxful for bitcoins lmao

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      BrianSnyder11 2 months ago

      My credit score was in a mess, I need to increase my credit score to 800. So i can be able to apply for mortgage loan and I saw this hacker being praise on Disqus. Then i decided to give him a try, To my surprise he removes late payments from my credit report and boost my credit score to about 800–841 within 72 hours. He also increase my two credit card to $4,500, I thank Aaron Swartz for helping me and am moving on fine with my life and my son. Hurray!! Get to him on aaronswartzcyberservices At Gmail Dot Com

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      Steve Ford565 2 months ago

      Hey everyone i don’t have much to say about this legit hacker ROBERT MORRIS, You think you had the lowest credit score, mine was terrible until i met with Robert Morris where he help me to boost my credit score from 320 to 823 excellently and I’m sure he can boost up your credits score in just 72 hours depending on your credit inquiries, i also gave a friend his contact and he is currently helping him to fix his credits score and remove eviction off his record, you can give him a try and i promise you that you will surely get a good result from him. Contact: Robertmorriscyberservices@gmail.com.

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      DON'T LET HIM FOOL YOU 2 months ago

      Dont contact those emails he is a fraud. He will ask for your information and use it against you by selling your info online to other wannabe hackers.. This will cause many inquiries on your credit report and credit cards being ordered by random people and ruin your credit score... Its important you check your credit report everyday to catch any signs of fraud.. Early detection is important to receive the least damage possible. By emailing them they can hack into your account and login to many of your online banks, Paypal, shopping sites and social media. I know because i am a hacker myself. I have accumulated great wealth in Bitcoins and don't need to hack anymore. I have financially ruined many innocent people and in regret i am trying to make things right. Starting by helping you not fall for scams like those.. You have been warned.

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      LouiseHolloway 2 months ago

      Contact Aaron Swartz, I recommend the guy is the best credit specialist out there. He help me erased all negative collections on my credit report and incrase my credit score to 830 excellent plus within 72 hours. He also help me pay off my mortage loan of $230,000 and increase my two credit card limit to $8,500 limit. He’s really worth appreciating and I’ve referred him to 3 of my friends that can’t stop thanking me.. Get in touch with him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      Craig Nelson8989 2 months ago

      If i don’t get to share this wonderful story of mine i will always be indebted to this so called hacker [Robert Morris] who helped me to get a Job after several years i have been seeking for a job. I only told him that I’m not here for credit score that i got a good credit score already and i told him that i needed a job maybe he can help me out so he told me that i should upload and mail all my documents through his email that i should wait for just 5 days but to my greatest surprised i got a job interview on the fourth day and i got approved. And also i’m planning to repay him back when i get my first paycheck later by the end of this month. He put a smile on my family face after a lot of suffering but now i’m feeling grateful so if you guys have any issue about job application or credit score or any kind i will just tell you guys to get in touch with him maybe he can assist you also. I’m going to drop his mail below:

      CONTACT: ROBERTMORRISCYBERSERVICES@GMAIL.COM

    • profile image

      DorothyFendley 2 months ago

      Aaron Swartz is the best credit specailist out there!!! I search through google on how to pay my debt on my credit card, When i saw a recommend post about Aaron Swartz. I get in touch with him and he reply that is capable, He help me pay my debt on my two credit card and also increase my credit score to 830 excellent plus within few days, If he could actually pay my debt and increase my score to my satisfaction. I completely recommend Aaron Swartz to you, Contact him for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      Erica Jamesd 2 months ago

      I was really in an embarrassing financial dilemma due to my poor credit score which led me to meeting some imposters online who claimed to help me but rather worsened my problem. My search eventually paid off when I met CyberMayor through a reference online (May God bless him). His work experience, professionalism, and discretion are top-notch. He increased my score from a low 430 to 751 and cleaned up all the negative items on my report, replacing them with mortgage trade line, auto trade line, installment trade line and revolving credit cards in just 7 days. These finally got me the mortgage for my new house and several loans thereafter. You all can contact him via his email: cybermayor@writeme.com and be guaranteed that your credit issues will be sorted.

    • profile image

      RobertEvans11 2 months ago

      You need a reliable and efficient hacker to repair your credit issue, Then you need to get in touch with Aaron Swartz the best credit specialist. He will help you increase your credit score to 830 excellent and delete all negative items on your credit report within 72 hours, He’s really worth appreciating. Get in touch with him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

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      VictorBarnes 2 months ago

      Over three years now i have been working, managing and behaving myself because i know i already have negatives on my credit report so i work hard hand in hand with a credit repair company to clear this up. I have bigger plan so i tried to get loans but my credit was so bad from my years of financial struggle so its was not approved. There is something about this credit repair programming they don't seems to help, it was more then a mind torture i couldn't cope. The bitter truth is there is no quick fix for your credit unless you have a great hacker who could do that through the backdoor. I had been scammed once but i thank God i met Notable spy i needed a fast respond. i read about notablespy from a discovery book called brain point I actually saw a testimony like this about him and i decided to try him out. His approach alone showed seriousness and professionalism.This hacker is a genius and comes highly recommended by a lot of people. He's affordable and genuine unlike a lot of fakes I see on the internet. Now I am free and highly happy because Notable spy already fixed my credit and raised my score from 525 to 782 and also paid off the many dept on my credit report. Can you imagine that? What a blessing he is to my life ...mail directly at Notablespy.org@gmail.com

    • profile image

      Angela Talley 2 months ago

      Are you in need of best hacking services in the world? I’m very sure you can get anything done for you so far you can explain to him about what you needed him to do for you …

      *Credit Repair Services

      *Debt Freedom

      *Personal loan and bills

      *School database to clear or change grades,

      *Retrieval of lost documents

      *DUIs

      *Hack into email accounts

      *Computer analyst and consultant

      and Bank logins, WU transfer, Money Gram and a lot more.

      You guys can give it a try with him so you can get in touch with him on his email:

      [ ROBERTMORRISCYBERSERVICES@GMAIL.COM]

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      Lambert Smith 2 months ago

      HELLO , I WAS ABLE TO SPY ON MY CHEATING EX-WIFE’S PHONE WITHOUT HER FINDING OUT, IT REALLY HELPED MY LAWYER DURING MY DIVORCE…..YOU CAN CONTACT {ROBERT MORRIS} FOR SPYING AND HACKING PHONES, COMPUTER, EMAIL, FACEBOOK, WHATSAPP AND OTHER SOCIAL NETWORK ACCOUNTS, CHANGE YOUR GRADES OR BOOST YOUR CREDIT SCORE, HIS SERVICES ARE RELIABLE.

      CONTACT: ROBERTMORRISCYBERSERVICES@GMAIL.COM

    • profile image

      BrianCooper100 2 months ago

      Never thought a card just a little bit could actually correct my credit score till i mailed Cyberguru@inbox.ru..one thing that attracted me was their top notch customer service and within 48hours i got it all done. trust me guys they are the best in the game. you can also contact them via cell on (657-214-1854.

    • profile image

      Lambert Smith 2 months ago

      I had about 11 items removed from my credit report, and helped me get approved to buy my first home. He is very timely and professional. One thing is you have to make sure that you send him any informations regarding your credit inquiries and provide all necessary requirements. If you refuse to do I’m not sure if he can get your job properly. so here's me recommending him to you all out there with similar challenge like mine. Contact him on his personal mail: robertmorriscyberservices@gmail.com

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      Albert Chris 2 months ago

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

    • profile image

      RosemarieGarner 2 months ago

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

    • profile image

      DonnaPeterson11 2 months ago

      I had been in search of a good credit repair agency to help fix my low credit score which was preventing me from getting a loan or mortgage. A old friend of mine introduced me to this credit agency named Aaron Swartz, Who help me increase my credit score to 830 excellent and delete all negative items on my credit report within 72 hours and i got approved for loan and mortgage. He is real and affordable price, Contact him on his regular email for your credit repair aaronswartzcyberservices At Gmail Dot Com

    • profile image

      MyrtleClarke 2 months ago

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

    • profile image

      ElaineStanley1 2 months ago

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

    • profile image

      larrycol 2 months ago

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

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