Do-It-Yourself Credit Repair (Without Spending a Dime)

Do It Yourself Credit Repair

Michael Delgado, a Social Media Community Manager at Experian, is the author of this post. Michael helps promote financial literacy on Experian social channels and writes for the Experian news blog.

Do you check your credit reports regularly? Credit reports are your credit references, as reported by your lenders. And, unfortunately, some lenders may accidentally report inaccurate information about your payment history. This is why it’s important for everyone to monitor their credit reports regularly and to dispute any information that is inaccurate. Today we wanted to show you a complete guide to do-it-yourself credit repair.

If you need to fix your credit report, here are the steps to take (and online apps you need) to get your credit report updated quickly, without paying hundreds of dollars to “credit repair” clinics. If you’re not looking to repair your credit yourself, then we recommend you go with one of these top credit repair companies.

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Step 1: Request your free credit report from each credit bureau

The Fair and Accurate Credit Transactions Act (FACTA) entitles you to one free credit report each year from Experian, Equifax, and TransUnion and you can get this through AnnualCreditReport.com or by calling 1-877-322-8228.

In addition, you may request a free report directly from the credit reporting companies in certain circumstances. “Under the Fair Credit Reporting Act, consumers who receive public assistance, are unemployed (and seeking employment), or believe their credit report contains fraudulent data, are also entitled to a free report,” says Maxine Sweet, Vice President of Public Education at Experian.

Request your free credit report from each bureau

CREDIT TIP: You can keep a close eye on the credit activity that is being reported for you simply by requesting a free credit report every four months. For example, get your Experian Report in January, Equifax in May, and TransUnion in September.

Step 2: Audit your credit reports carefully

“Remember that credit report information comes from the companies who have accounts with you. The goal is not just to fix your credit report, but to make sure that your information is correct with the source so that it will be reported correctly to everyone who checks your credit references. Reviewing your credit report can help you discover and resolve those inaccuracies,” says Sweet.

Each credit report differs in how information is presented, but here’s a breakdown of what you’ll typically find:

  • Personal  Identification (addresses, employment history, name, social security number)
  • Types of Accounts (revolving, installment, loans, joint accounts, credit limits, debts)
  • Collections (if any accounts went to collections)
  • Public Records (about  financial obligations)
  • Consumer Statement (such as a statement of dispute if you do not agree with your lender about the status of your account)
  • Hard Credit Inquiries (showing you applied for new credit or services)
  • Soft Credit Inquiries (showing requests made by lenders who sent you an offer or that you requested your own report — soft inquiries are shown only to you)

Here’s a sample credit report [pdf] from Experian explaining the different parts of your report:

Audit your credit reports carefully

As you audit your credit report, pay close attention to these areas:

Missed Payments
Your payment history makes up the biggest part of your credit scores, so any past-due amounts or late payments will damage your scores (especially missed mortgage payments). If you have any missed payments on your report that are incorrect, make sure to dispute the inaccuracy because it can make a big impact on your scores. You may need to talk to your lender to find out why your records do not agree about the payment.

Length of Time Using Credit (Depth of Credit)
Many people don’t realize that older credit accounts with good credit history actually help you. It shows you have managed credit well for a significant amount of time. Consider the pros of cons before you close any accounts (if they are tempting you to overspend).

The Variety of Accounts
Having a mix of different credit accounts can help you because it shows you know how to manage different types of credit. Managing a car loan with a fixed monthly payment is very different from managing a credit card where you control the amount you owe and pay each month.

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Recent Credit Accounts
If you’ve recently taken out a loan or credit card, you’ll want to make sure it’s appearing on your credit report. New credit accounts can signal risk (and could lower your scores at first), but the added credit mix and consistent payment history will likely improve your scores over time.

Amount of Credit
It’s important to make sure you’re using less than 30% of your available credit on revolving credit accounts. For example, if you have a $10,000 credit limit on a credit card – you never want to carry a balance over $3,000 because it can hurt your credit scores. The lower, the better. 

So while auditing your credit report, make sure the credit limit assigned on your revolving accounts are accurate – and the amount owed is under 30% of your credit limit. If not, consider requesting a higher credit limit on that credit card to lower your utilization rate. Even better, pay down your balances so that you are only charging what you can pay in full each month.

CREDIT TIP: If you notice any fraud, you can set a fraud alert right away which cautions lenders to verify your identity before opening any new credit accounts. It’s simple to set-up fraud alerts by using  these  direct links to ExperianEquifax, and TransUnion. “You can also freeze your credit reports for a small fee to prevent new creditors from accessing your report. However, freezing your credit reports means you will have to temporarily unfreeze them when you need services, which can be inconvenient,” says Sweet.

Step 3: Dispute incorrect data

There is no cost to dispute any items on your credit report. And you can dispute incorrect information in a variety of ways. Always start with a current copy of your credit report. Then, you can call the phone number on your credit report or use one of the following online apps from one of the following credit bureaus:

Experian credit dispute app

Screenshot of the Experian Credit Dispute App

Equifax credit dispute app

Screenshot of the Equifax Credit Dispute App

TransUnion credit dispute app

Screenshot of the TransUnion Credit Dispute App

“In most cases, you only need to ask one credit bureau to dispute an account on your behalf .. If your lender responds to a disputed item with a correction, they are required to report that corrected information to any credit reporting company to which they provide their data,” according to Sweet.

Some people think that disputing information on your credit report can hurt your credit scores, but that is not true. Disputes are not reported in your history and are not scored.  Disputing inaccurate information is exactly what you should do to help ensure your credit history is correct.  Another myth is that disputing information you believe is inaccurate will cause info to remain longer on your credit. Information is deleted based on the dates of missed payments or when the account was closed, for example.

CREDIT TIP: If you cannot resolve a disputed item with your lender, you may add a “Statement of Dispute” to your credit report explaining  why the information is incorrect. The statement you write must be under 100 words, and should address why the info the lender is reporting is incorrect. For example, “Never missed any payments with [Lender Name].”  This statement will remain on your report for two years and visible to anyone who has permission to review your report.

Step 4: Wait 30 days for removal or response from creditor

When you dispute an item on your report, the credit bureau will contact the creditor to respond to the dispute. If no response is received within 30-45 days, the credit bureau will remove the account or correct the negative information and notify you of the results.  “If you disagree with the results, you may need to contact the creditor directly and provide additional documentation if your records do not agree with theirs,” says Sweet.

CREDIT TIP: If you need additional help with debt or your credit, avoid going to a “credit repair clinic,” which could cost you hundreds (if not thousands) of dollars. Instead, seek out an accredited non-profit credit counseling agency. And, if you know of a great non-profit credit counseling agency, please share in the comments.

Step 5: Request a new credit report from each credit agency

After an item is corrected with one credit reporting company, wait three or four weeks before requesting a fresh credit report from the other credit bureaus. You want to give the creditor some time to report the corrected data. Getting a fresh report will ensure that the item has been removed or updated. You may also choose to purchase a  credit score to see if your risk level has improved.

We hope these tips on do-it-yourself credit repair are helpful! If you ever have any specific questions about your Experian credit report, check out the Ask Experian blog for answers to common questions. And join our weekly Experian #CreditChat on Twitter with credit experts Maxine Sweet and Rod Griffin. (And remember, if you’re trying to pay off debt to help improve your credit score, ReadyForZero can help you get there faster!)

Image 1 credit: Robert Scoble

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  • John S @ Frugal Rules

    Good write up! I have to regularly check my report as I am a Jr and have had several times where my Dad’s info might be included on mine. It can be a hassle to take care of, but well worth it in the end.

    • I never thought about the “Jr.” thing being a cause for credit confusion, but now that you mention it I can totally see how that might happen. Glad to hear you’re on top of it!

      • Most banks routinely ignore any Jr. Sr. reports in pre-screens for this very reason.

    • Fidel

      The best way to get your criminal records wiped off in any country is to hire a very good hacker to get it done for you. Contact:- incfidelibus(AT)gmail(DOT)com

  • That’s pretty good tips Ben. Annual Credit Report is a great source to get all 3 free credit reports however you will have to pay to see the scores though. This is why I go to sites like Quizzle and Credit Karma because they will show me my score for free.

    • Yes, I use Credit Karma as well to keep tabs on my score. Thanks, Chris!

  • carol opiyo

    Thanks for the informative article Ben. I have a question. If I use
    up over 30% of my credit limit but pay the balance before the credit
    card company reports the balance to the credit bureaus will that still affect my credit negatively or will it be okay since they will be reporting zero balance. Thanks.

    • In that case, there would be no negative affect on your credit because it would be completely paid off (0% utilization) by the time they even were notified. So not to worry!

      • carol opiyo

        Thanks a lot!

  • Marnica Jeanpierre

    I disputed an inaccurate judgment on my transunion report and it was removed. Will I have to dispute it on Equifax and Experian as well or will it delete it there as well ?

    • Marnica, my understanding is that if the inaccuracy appears on the other two reports you will have to dispute it with those two bureaus as well. But I hope I’m wrong, for your sake!

  • Rusty Bittner

    What if you don’t know if something on your credit report is wrong and needs to be disputed. I was never that good at keeping track of my finances and after suffering a head injury while serving in Iraq, I have trouble remembering most things. What can I do..Please help

    • Hi Rusty, the first step would be to get each of your 3 credit reports at https://www.annualcreditreport.com/. Then look through them and see if anything is listed that you don’t recognize. If you’d like help with this, please email me at Ask@ReadyForZero.com. Thanks! Also, thank you for your service and I’m sorry to hear about your injury. Do you have someone to help look after your finances?

  • jtwebber

    how can I fix my credit

    • Hi there, our credit score resource center may be able to help you: blog.readyforzero.com/resources/credit-score.

  • Mike

    Can I dispute legitimate items so they be off my credit sooner or do I have to wait?

    • If an item is legitimate, then it will stay on your credit report for the usual time (up to 7 years, depending on the item).

  • tree06

    What about credit that is a few years old? I have hear the term “fall off the report”, what does that mean? If some items are say 7 years old, is it worth addressing them or letting them get removed from your report?

  • Bobbie

    Ben, does it help your credit if you have a bunch or credit cards and you close some of them after you pay them off?

    • Hi Bobbie, it helps to pay off credit cards, but it doesn’t help to close them (at least, not usually). The reason is that “active” accounts are weighted more heavily than closed accounts. Of course, if you believe you’ll be tempted to spend more, then it might make sense to close the cards anyway. Here are some more resources to help you:

      blog.readyforzero.com/resources/credit-score/

      http://lifehacker.com/5834187/10-ways-you-can-improve-your-credit-score-right-now

  • medicinehands

    I have several old collections on my report. Should I pay them all off at discounts, or is it better to pay it of slowly, in payments.

    • Hi there, how old are the debts? The reason I ask is the negative impact of an old account will eventually fall off your credit report. If the accounts are just a few years old and you are planning to pay them off either via settlement or via monthly payments, then you have a decision to make. If you pay them at a discount (with a settlement) that could hurt your credit score. If you pay it off in full, it may take a long time. Ultimately you have to decide which option works best for you. Good luck!

  • Alli Danger

    If I have an account with a $0 balance but it’s showing as a negative account, how does that effect my credit and how can I fix it?

    • Hi Alli, if the account is showing up as having a negative balance and that is being reported to the credit bureaus, then it could hurt your credit. You can start by contacting the lender and trying to find out why it shows up with a negative balance. There might be an error in how they are reporting it. You can also initiate a dispute with the credit bureau.

      • Alli Danger

        Thank you! I called one place and they said 7 years but called another and they said possible error so I’m crossing my fingers it gets removed. Can I ask one more question? I have 3 medical bills from the same occurance that are over 2 years old, should I call and see if they will take a settlement offer or would it not make any difference on my credit score? Thanks!

  • Mika

    Hi Ben thanks for the info, very helpful. I have a question, is student loan debt different from other debt. Meaning does statue of limitation apply? Does it fall off your credit report after a certain period of time?

    • Hi Mika, there is a difference between private and federal student loans in this regard. Federal student loans do not have a statute of limitations. Private student loans do have a statute of limitations, and that depends upon: which states you could be sued in; how those states categorize the debt; and the time frame for each state’s statute of limitations for that debt. Also, as a quick note, federal student loan default can lead to garnished wages. Best of luck!

  • Katied

    There is a line of credit on my account with Bank of America that is not mine. It was opened when I was 11 years old. When I first started monitoring my credit I noticed it and phoned BOA they could not find it…? Its always been in good standing and is still active. I assume its actually HELPING my score…but its not mine?! What should I do (if anything)

    • Wow, that is very surprising! I’ve never heard of that before and frankly I’m not sure what the best approach is. Have you tried the dispute process outlined in Step 3 in the blog post above? That could be one place to start.

  • Phebe

    Yes I would like to know if their is ways you can stop a judgement that put against you if you don’t feel you owe money and how can you do so.

    • Hi, yes, I believe you can fight a judgement. If the judgement was rendered against you via the court system then you will need to fight it in the court system. For that, you may need some legal help. It would also depend on your particular situation. If you have more questions about this process, let us know.

  • LZ

    How can I get Hard Inquires taken off my credit report?

  • Bee Jay

    How long after Chapter 7 do items remain on credit report. Is there a way to get Hard inquiries off that should have dropped off but did not?

    • Hi, usually it would be 10 years after a Chapter 7 bankruptcy. If there are errors or inaccurate negative marks on your credit, you will need to dispute them: blog.readyforzero.com/do-it-yourself-credit-repair/.

  • Bee Jay

    So, is what I am hearing is that the only way to change my credit score after bankruptcy is good credit? Any idea what Lexington law can do?

    • Hi Bee, there are a lot of different things you can do to improve your credit score. This resource center can help guide you: blog.readyforzero.com/resources/credit-score/.

      As for Lexington Law, some people find them helpful but they also charge a pretty high amount, so be sure to research their services carefully before signing up.

    • Joe

      If the credit bureaus are reporting the
      Post bankruptcy information your reports which is doubtful as they are not in the business to fix your credit button ell you info to you and others. You will have a 2nd chance. Building new credit with revolving credit cards and perhaps an installment loan will build up quickly as you are on what would be called a different score card. The post BK card. Also since you can’t file BK for another 7 years you are a better risk than those that are starting out for the first time Don’t go I to debt to get good credit but do establish positive credit card accounts. Start with one and add another couple in Insuing years. Keep balances at 1 percent of you limit for best credit score. If you don’t know if the information is correct seek out a professional to look at it. And do not do online investigations. They only benefit the enemy. The 3 bureaus.

    • Jen Travis

      I used Lexington Law for about 6 months. I wasn’t totally satisfied with the results. I paid over $500 and my score is reporting very little change.

  • Bee Jay

    Which credit report can you actually dispute problems electronically. Oh and thanks Benjamin. You are the bomb.

    • Thanks so much! You can dispute any of your credit reports – this post describes the process in more detail: blog.readyforzero.com/do-it-yourself-credit-repair/.

      • Jerry

        Negative. Experian has always been a problem for me and i think i have a mixed file. The agency is severely in violation of fcra as they have never, EVER responded to my repeated disputes over the years. Basically, im a dog and they are the boot. Ive spoken to many ppl about this, and numerous credit repair agencies have refunded me, also not being able to solve the issue. As a result, im 42 years old and debt free. I also have no assets. I hate your system (American). I call it yours because i recuse myself from it. Ive detatched and certainly dont want to be identified as having anything to do with this shopping mall of a country youve created. Embarrassing.

        • Haynes Jones

          if you truly need to repair your credit score contact dejatech007@gmail.com , he helped me fix mine in few hours tell him Jones refereed you

          • Jerry

            I will do that. My credit is ok. I just need a winning procedure to get one or two thi gs removed.

          • Haynes Jones

            hit him via mail at dejatech007@gmail.com please tell him jones sent you thanks and his service is just few hours before completion , looks like magic to me when i saw it , now i can buy my house . all thanks to him ……

          • Haynes Jones

            mail dejatech007@gmail.com , tel him jones referred you to him , he fixed my credit in few hours just like magic…

          • Carole Perez

            that seems to good to be true, i may not be an expert but i do know credit repair is generally a process and can not be done with in a few hours unless doing something illegally such as a freeze, I’ve used a company called Credit Advisors Group LLC and are very affordable. They work extremely quick as well and will not make false promises.

          • jeffery

            I’m yet to believe how it is possible But it feels so good.There is a qualified and ethical hacker ( Globaltechnologies46@gmail.com ),who can help to improve your credit score…he helped with my. Contact him and thank me later.

          • Jessica Graf

            Thanks to you for referring me, he’s a very good hacker…

          • Faith Williams

            He’s very good i just used his service…

          • hifaith17

            Reached out to your guy. I know this is a stupid question, but I seriously need to know. Was this legal and is your credit score still holding up.

          • Krystle Durden Hopkins

            Hello how do I contact this person that helped you on your credit score

          • Haynes Jones

            hit him via mail at dejatech007@gmail.com please tell him jones sent you thanks and his service is just few hours before completion , looks like magic to me when i saw it , now i can buy my house . all thanks to him .

          • Haynes Jones

            mail dejatech007@gmail.com , tel him jones referred you to him , he fixed my credit in few hours just like magic…..

          • hifaith17

            what was the cost?

          • Carole Perez

            that seems to good to be true, i may not be an expert but i do know credit repair is generally a process and can not be done with in a few hours unless doing something illegally such as a freeze, I’ve used a company called Credit Advisors Group LLC and are very affordable. They work extremely quick as well and will not make false promises..

          • Linda Welsh

            If you need to repair your credit,the suggestive solution is to reach out to superbtechnologies444@gmail.com….just get to him and tell him your credit issues and believe it’s already solved

          • Haynes Jones

            contact him at dejatech007@gmail.com tell him jones referred you .

          • Jeff Anders

            I am confident wymandustyn@gmail.com is none the less very reliable in handling this issue , my credit score is higher than what it used to be at the time i found him out; he can be of great assistance.

          • Derek O’conor

            Thank you

          • Kerry Taylor

            this was very helpful indeed.
            thanks

          • Jacob Keilser

            Amazing! Thank you for this.

          • Jacob Keilser

            Amazing , Thanks a lot.

          • Jacob Keilser

            Indeed he was , Thank you

          • lewis marry

            you can send him an email dejatech007@gmail.com please tell him marry referred you . i wish you good luck too .

    • Scott

      Good Advise!!

    • Evelyn Becks

      Finding the right Credit Score Consultant goes a long way in establishing your credit footprint.
      DID YOU KNOW ?
      – You are paying up to 60% more for car insurance if your credit score is less than a 675?
      – You are paying up to 50% more interest on credit card payments if your credit score is less than 675?
      Am 780 and I am Proud about it .
      Accessgranted AT bk DOT ru Got my Credit Score Raised . I think they can help you

      God Bless.

      • Kelly Praise

        Thank you hundred folds Albert Milly for your recommendation. I followed the instruction I was given by the Access Guys . My medicals bills were deleted. I found out that immediately that i was boosted by 98 scores after deleting . I was also boosted 790 ( which was the score I wasted to get to .) I think they are partly Russian , They have this accent but who cares , as long as they did my credit score reply.

        Thank you Thank you u, Oh my God I am the happiest person on earth now.

    • Katherine M Babineau

      if you need to repair your credit score hire spygenius.hack AT gmail DOT com , they helped me fix mine in about 48 hours, you can tell them i refereed you

    • Mark Woods

      1. I find it very hard to believe that some random guy over the internet will help you boost your credit in a few minutes using “hacks” cmon..that’s plain stupid. Don’t make the mistake to contact them. Most probably they will reply to your email asking you to complete something online, like a credit score offer, and that will actually do you more harm than good.

      2. Any credit repair company that asks you money before they repair your credit is a SCAM. It says in the Credit Repair Organizations Act, a federal law: “Credit repair companies may not take consumers’ money until they fully complete the services they promise.”

      3. The best way to fix your credit is to do it yourself, with a little research is not hard at all. Read this book on how to boost your credit score by yourself, it’s a free book. Here is the short link, remove the [ ]: bit[.]ly/legal-credit-fix

      • KEITH LADU

        Sorry I dont agree with you . I was just like you but now I have a different perspective about the whole thing until a programmer boosted me to 795 .
        Please try and review very well before you come on here and give false . we are in a computerized system now and moreover I got my credit scored boosted too after deleting negative values from my history .

        • LUCIAN STEPHENS

          Please can you recommend any , If you have used any of their services ?
          I have been trying to change mine since 4 months now and no lucky . Please help .

        • Albert milly

          Kindly recommend a programmer that is equal to the task ?
          Thanks

          • KEITH LADU

            Sorry for my late reply . The programmer I used was partly Russian I suppose but I am not sure . Jameharden @ programmer . net was the best chance I got during my process . Dont recall if he still remembers my name but you can disclose closely with him . Good LUck

          • Mcgee

            Thank you Keith Ladu, I really don’t know you from anywhere , I was compelled to contacting your source of recommendation after seeing your comments on here.
            You just don’t know how happy I am right now. Only 5 days after I wrote james, we came up with an agreement and now My credit score is 740 from 450 after he worked on it (Now He is amazing) . Thank you again again and again . God Bless you . I can now have a normal life .

          • LUCIAN STEPHENS

            KEITH LADU
            I owe you a lifetime of being grateful to you for sharing your experience on here .
            I am proud that I wrote James Harden AND MINE TOOK LONGER THAN 5 DAYS . He was quite expensive but I think its best as it will be made back in couple of months with good credit score.
            God Bless you BOTH.

          • PAUL NITZ

            I contacted them, and on the 4th day I noticed my score was boosted by 87 points,two days after some negatives items was clear and that also gave me more points of 56. finally my credit score was boosted by the james harden guy and I can brag now.
            Thank you too Keith Ladu

          • Martha Patton

            Keith ladu . I am jumping up and down my bed shouting with my wife that We have finally gotten to the excellent score line we have been looking for .
            James Harden is the reason behind my credit score boost. I will not lie, he used some loophole found on Karma and today I am 760 .
            God Bless the good ones still

          • Sara

            Hi how do you get contact info
            On Keith ladu

          • CAROL SCHNEIDER

            @K@keithladu:disqus” I would like to explain something to you before I sign out. I never believed any of the write ups I see about credit repair, I came onto this page , I read so many comments but I noticed consistency in people being happy and making reference to the same person. I opened a new email and wrote James Harden . I told him That I will not pay except I see that my Credit score has been boosted . ( He told me that I never works with payment after work and he always does upfront payment ) I disagreed but we concluded that I will pay him amount more than five(5) thousand dollars Once I confirm. He said he needed 5 days , I gave him 7 days instead just to make sure that he doesn’t have any excuse . To cut the story short, At the end of the 5th/6th morning , I received an email credit report change detected and I was surprise to see that My score was already on the green bar and it’s now 730 from 540. I asked myself how ? I went to experian and it reported the same increase in all three credit bureau .
            I paid so much but at the end I don’t regret it . I would have paid less if I actually believed that they could fix my scores . I learnt so many things with this experience .

          • Brigid Paley

            Hey Mr or Mrs Keith Ladu, I don’t know if you are a male or female but I am writing to disclose what has happened to my credit history since I saw series of people leaving positive feedback for the James Harden you recommended. I am grateful to everybody that shared their experience as that was the only thing that made me go into it even as expensive as it was .
            Thank You so so much

        • Angela Schoenbeck-Peterson

          How Do I get negative values off my history

          mailams mecom

  • Bee Jay

    I am going to follow your advice. You have given me more insight than I have been able to find since I filed bankruptcy in May. God Bless you and keep you.

    • I’m so glad it was helpful! Good luck, and let us know if we can answer any further questions.

  • cheryl

    ok so theres no point in paying off charged off items correct? just items still in collection? and if i pay them off and it still stays on
    how is that helping?

  • Mharie

    Hi Ben, I just recently settled most of my credit cards but all been paid off. Some of my other credit card was closed by credit company. I only have one credit card open and my bills are all paid on time, do u think that will help my credit? In two years, I’m planning to refinance my mortgage, do u think I will have problem refinancing???

    • It’s very hard to predict whether you’ll have an easy time refinancing, without knowing more about your situation. However, I’d recommend getting a copy of your credit reports from http://www.annualcreditreport.com and perhaps checking your credit score with ReadyForZero or CreditKarma. This will give you an idea of where you stand and how good your credit score is. Then, if you still want to improve it you’ll have a bit of time to do that. Our resource center can give you some tips on improving your credit: blog.readyforzero.com/resources/credit-score/.

  • Joe

    Doesn’t disputing online with bureaus waive some of my rights? Like the right to a response within 30 days turns into 45? And i waive the right to a method of verification which is being able to ask the bureau whom they verified it with? Which I believe is important when the bureaus answer verified. Also I noticed you appear to work for Experian. Doesn’t Experian gain from you suggesting online disputes is how to do it? When consumers enter the data for Experian so that the information we enter goes directly into e-Oscar? With Out attachments? No real personal will ever see my dispute? Only a computer will investigate it and I’ve even waived my right to a response in 30 days and can’t ask for whom you verified this listing with? In one of your replays you suggested to us credit karma? Isn’t that a data mining site? That only gives Vantags scores and shows one credit bureau not all 3. And in their contract my damages that they or the buyers of my personal data are limited to $10 and I can’t be involved in a class action law suit and waived my rights for a court action? I find your posts an act of deception at best and that is a violation of the law

  • familyfirst.luv

    question if an acctount made it to collecting is it good to settle for a percented or pay the whole amount?

    • It’s up to you which one you pursue. If you settle for a fraction of the outstanding balance, then that will be reflected on your credit report for up to 7 years. But that doesn’t mean you can’t rebuild your credit score during those 7 years. It’s just that the settlement will continue to show up on the report.

  • Jae

    .,

  • Jae

    Question I filed bk chap 7 in 2012 due to me being off for maternity leave then 2 years later I got laid off

    • No, I don’t think it’s hopeless. The bankruptcy will stay on your credit report for a number of years – up to ten years. If you want to build your credit in the meantime, then by the time the bankruptcy is off your credit report, you may have a good credit history again. Good luck!

      P.S. However, if you think building credit will only lead you to rack up more debt then I would not recommend it. If that’s the case, it may be better to just live without credit.

  • La Inolvidable Mara

    Benjamin Feldman Hello I have a question I recently got a car from a dealer from JD Byrider 1 because I’m in need of a vehicle but mainly I went to a dealer to help rebuild my credit but now alot of people are telling me that car loans are not a good way to rebuild credit because it acually only adds a few points to your score no matter how much the loan is for is this true?

  • igor g

    I have a question is there any way to remove late payments from years before??

    • Deb

      Hello,
      You can write Explanatory letters with dates late to explain why you were late, you may need to provide documentation as well.

      • Juanita Juniper

        Will a credit score increase if you a credit card company will remove late payment history? Do they have that authority?

        • Chris D Cash

          Yes, your score will increase, how much and how quickly depends on a number of factors. The biggest of these are total number of delinquint accts., exactly how they alter the information, and, to a lesser extent, but easily top 3, the age of the delinquency removed. Older information has less effect than new information. So, the first step is not to let ANYTHING get 30 days over from now on. That has been the rule for us for several years. We are 100% self-employed, cashflow is always changing, and unexpected expenses are generally bigger and more common for people like me. So, from time to time, we have to let things slide a bit… but we never let any account get 30 days past.

  • Christie

    Can anyone recommend someone for free credit counseling as suggested above? My issues are minor but I am lost.

  • sarahruth

    Why do I have bad reports on my report from 2 credit card debts that went delinquent in 2006? Now I’m 33 and thought they would have fallen off. On one of them it even has a random OK in 2011 (as though a payment was made) from a collection agency. I know I didn’t pay them, is this something I can dispute? thanks for the tips!

  • Paying your bills is not the mantra to earn good scores in your credit report. Rather paying your bills much before you are marked a defaulter is the golden way to gain credit score.

  • melanie

    can you get reports on your credit from old accounts that have been paid off or refinanced (old credit cards and students loans) removed from your credit report?

  • Liz

    I disputed address I don’t say any more is that ok and phone numbers and employers will this hurt my credit or approve it

  • Don

    Hi Benjamin,

    I have to disagree with some of what you are saying here. There are ways to remove things like hard inquiries and legitimate debts from your credit history. Collectors have been abusing the system for years and working in the “gray” areas of the law for years, exploiting loopholes and “interpretations” by the FTC and State Attorneys General for their benefit. Some of the ways that these things can be accomplished is by looking very closely at the laws to see where the loopholes and gray areas are for us, the consumer. Some of us aren’t intelligent enough to translate written law, but there are others out there that do and will share what they know.

    I know for a fact (having done this myself personally) that a hard inquiry can be removed simply by disputing it with the agency that is reporting it. They have 30 days in which to respond and they HAVE TO respond in a very specific way, if they don’t, they have to remove the information and if you word your dispute carefully, they can’t reinsert the information later.
    There are many websites and forums which talk about this, but they have to be careful so they aren’t held liable by the government. Its funny, the laws are here to protect us, but they seem to work more in favor of the thieves and scumbags since they don’t care about the law anyway.

    Anyhow, I can go on for hours about how dirty and nasty creditors and collectors are, but I will say this, I used a set of sample letters and the instructions from an ebook I found that covers a lot of this and has helped me to resolve most of my debts already… one other things I have to disagree with, it isn’t possible to do this “without spending a dime”. If you really want results, you will need to at the very least pay for a stamp on the letter you need to send to get it done. I have to say, I am a little disappointed that this article wasn’t more accurate.

    BTW, the guide I used was Weathering Debt and I found it at Etsy.

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  • Terrell

    Hey Benjamin, I’m trying to remove hard inquiries do I send letters to the creditors are bureaus?

    • jeffery

      Hey Terrell contact this qualified and ethical hacker ( Globaltechnologies46@gmail.com ) who can help to resolve this problem…he helped with my. Contact him and thank me later…he’s 100% …I guarantee he is for real..Tell him Jeffery Adernson referred you.

  • Tami Henderson

    I have some medical judgements and collections on my credit as well as late pymts. I am wanting to know how and what i can do to repair my credit so i can sign for a student loan.
    Thank you

  • Julie Glidden

    Ben, this is a very helpful post. I have directed dozens of clients to your article because you have set forth easy-to-understand steps for improving credit. You provide a great starting point with useful information and links. I commend you for sharing your expertise. Thanks so much!

  • dreaschicshop

    What if you don’t have anything to dispute and everything is correct on your credit report? Do you just have to pay them and wait years for your credit to improve?

    • Chris D Cash

      Yes and no. If everything you are positive everything is correct, all you can do is negotiate. First, let’s assume EVERYTHING is correct… you can often negotiate a lower pay-off, as well as what is called “paid for delete”. Make sure you have it in writing, but information suppliers can request the information they have provided be removed… every case is different. But, most will take a lump sum for far less than the amount owed and give a “paid for delete” as most collections are purchased for 5-10% of the original debt. Another tip, get to the original creditor… they will usually be the most lenient. BUT, never hurts to be SURE everything is correct. It is their responsibility to prove you agreed to the original debt, as well as any fees. Depending on how long it has been, and the amount, chances are it will cost them as much to dig through the archives to provide this proof… You want to be careful, if you just dispute everything with the reporting agencies they will likely label them as frivolous. Start by requesting copy of original signed contract agreement, itemized statement, original charges, etc. from the collector(send request certified mail w/ return receipt). In 2 weeks send another, referencing the first. If they can/will not send proof of debt, terms, and right to collect, within 30 days, send copies of the letters and return receipts to the reporting agency and they will likely remove, at the most, they will ask why they have not complied with the law, and remove in 2 weeks.

  • Holly Holland

    When the equifax app asked me to answer some personal information to confirm it’s me, I couldn’t remember one of the questions and I chose the wrong answer. Consequently it wouldn’t allow me to go any further. Now I remember what it was but equifax won’t allow me to try again. Is there a time period I have to wait before it will let me log in? I have inaccuracies I need to dispute so how do I get in now?

  • Mara G Stancavage

    I have a credit score that is too low to get a good loan. I have no bad debts and I am planning to send and explanation to Experian an explanation. What I need to know is what actions can I take to improve my score and will it get better by itself over time. I have no outstanding debts.

    • Rachel Moore

      i would strongly suggest you send an email to realcreditscore@tutanota.com he has helped me and my friends get through alot he is trustworthy

  • mike

    I’m 26 my credit is horrible my goal is to rebuild it. Do you have any tips for me to attack this I desperately need some advice.

    • Rachel Moore

      hey mike realcreditscore@tutanota.com changed my credit score and helped with alot of financial problems and since i tried him I have been in trust just send him an email and you wint regret it

  • david gallant

    will this run my credit to get the free report because I have quite a few problems on my account because I have accounts on my credit from 2005 and I have an account that I don’t even remembering applying for how can I see who that is and how can I remove accounts from 2005 to 2007 off my account

    • Dianna Gray

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      • Ann Burns

        Can you only reach him by email?

        • Dianna Gray

          He should be able to provide his contact number when you reach him via email

  • david gallant

    I need help

  • Gnosis Media Group

    Raise Your Credit. Only Pay For Deleted Items. Call (877) 363-1882

  • Jay

    I have a foreclosure on my credit record from 2000 . Will I be able to get a loan to purchase a new home? When?

  • Eric Arthur

    First I’d say find a company that will only charge you when they
    actually are able to get negative items off your report. Call this
    credit repair company which will tell you who does this: (877) 363-1882

  • Elexis Jordan

    How can I correct an account on my score that my parents took out and never paid when I was younger?

    • Dianna Gray

      You can get help from easyhackghost@protonmail.com

    • Debbie Clarke

      Hello everyone! If yo­u wish to raise your ­credit score to any l­evel within a short period of time, conta­ct ecodatasolution@dr.com  , he’s legit, tested­ and trusted. Tell him i ref­erred you, I’m pretty­ sure he’d will help i still don’t know how they did it but they did it is thing that has ever happened to me.

    • james whitmore

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  • Lisa

    My loan was paid in full_I have a letter from loan company how do I bring it to someone attention ?

  • Shirley Chang

    I went from a 640 to a 800 credit score over the time of 8 months and after the credit score increase was able to refinance to the lower rate.

    The way RentReporters works is they will report your rental history and rental payments. The first time they will report 2 years of your rental history, after that your credit report will get updated each month you pay your rent on time. They will continue to report your rental history each month and with each month your credit score will increase.

    They also currently have a promotion for $20 off their signup fee not sure when it will expire.

    The coupon code is TMUK

    • Chris D Cash

      Just went to the site… they said it did not effect your actual score… just shows history… but this would be helpful for people who do business with small banks, are planning to move, or in my case, buying a property on contract.

  • lynda walker

    Should I pay off medical bills from 2013? will it help my credit score if i did?

  • Tony Rose

    If i have an open account for 7 years and did not make payment should i pay it in full

    • Rachel Moore

      hello tony rose i can recommend realcreditscore@tutanota.com he helped clear my credit score debt and all i did was send an email to him he is trustworthy

  • tara gilbert

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  • Navydium cooper

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    • jessica luis

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    • Fidel

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  • Haynes Jones

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  • demetria banks

    I have 2 public records on my credit report from all three credit agencies. I contacted each on once it was paid and also got a release letter stating they were paid from the courts and asked them if they would delete it off of my credit report Experian deleted it within 24 hours… but im having a problem with the other two they keep telling me it has to stay 7 years I know that they can do it if one did it what can I do from here?

    • jeffery

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  • Brian Ortiz

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  • jessica stafford

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    • luis

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  • Gabriel Dan

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  • lewis marry

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  • lewis marry

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    • Terri Robinson

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      • Kelly Praise

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      • james whitmore

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  • jeffery

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    • Ez Inkk

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      • Cheryl Sand

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      • Kate Smith

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    • Kate Smith

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    • Jessica Graf

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  • Kate Smith

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  • Ann brain

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  • anna

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  • david

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  • Helen Betty

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  • John Holt

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    • Cheryl Sand

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    • Deborah Elis

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  • Kevin Thomas

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    • Terri Robinson

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      • aponte jessica

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  • Crystal C. Tabor

    My recent experience made me understand that the credit score doesn’t matter nearly as much as the actual information in your credit report. When I was applying for loans for my most recent investment property (my third property including my home), my score was in the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at my report and refused me a loan..I explained this to my hacker buddy who I met recently and he helped clean my report and took out all of the negatives and late payment..I simply can’t thank him
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  • mike

    I was able to raise my score 55 points by reporting my timely rental payment history to Transunion. I used Rentreporters and had a overall good experience. They verify your rental payment history and report the last 2 years to TU for you. I signed up on their website, and gave my landlord a heads up and they called him and it was on my report as a tradeline in just under 2 weeks. Its pretty cheap compared to credit repair, its $49.95 with coupon code MSC7 and they have a money back guarantee. I would recommend them. Good luck everyone!

  • mike

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  • walker

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  • walker

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  • smith

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  • Cheryl Sand

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    • Deborah Elis

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  • Andrea Philips

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  • Kate Smith

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  • Deborah Elis

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  • Cassie Peterson

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  • Paulina Thompsom

    Hello everyone, i have tried out creditscorerepairplc@gmail.com just as
    Andrea philips referred them over here,my credit score was very low and i
    needed to buy a home,now my score as been increased to 750 and they
    also told me to open an account with trytransparent
    which i did and also helped my score too. so if you need help you can
    get to them on Gmail. thanks to Andrea philips for referring them over here

  • Jessica Graf

    globaltechnologies46@gmail is a good and ethical hacker…i can guarantee him 100%…i was doubting him first until he rendered his quality service to me..he helped me increase my credit score and also removed all unwanted collection from my credit report….

  • Lori J Gray

    If you need to repair your credit score hire spygenius.hack AT gmail DOT com , they helped me fix mine in about 48 hours, you can tell them i refereed you

  • Alvin Steward

    I noticed my mum went late to bed bothered and bitter and received phone calls a lot,then i knew something was wrong,i had to help her.i told a friend and he referred Abraham Cheklokov(blackhatcreator1234@gmail.com).I gave him a try and he help me to hack into my mum’s phone and mail then i found out her credit and mortgage was the problem and i asked if he could do it and he did..a problem of 3 years was solved in days how grateful i was Abraham Cheklkov(BLACKHATCREATOR1234@GMAIL.COM) is a messiah to me

  • Bryan Morgan

    For the past year,i have been battling with my low credit score
    until i met this hacker guru A.K.A CYBERGOD through a friend of mine.
    He helped increase my credit score to 780 within 2 weeks.Though i
    doubted him because of my previous experience where i was ripped off
    my imposters online but eventually got the job done without charging
    outrageous fee.
    He increased my score and also fixed the negative on my report which
    got me a mortgage for my new house.He is reliable,discreet and trust
    worthy.
    Contact him via email on (cybergod@writeme.com)and mobile:(205 624
    7453)

  • Angelina Gardner

    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 certain money 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 48 hours! I was shocked with tears in my eyes when he help me increase my credit score to 750 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 all should get to (Computerhackguru AT gmail DOT com) so you can get all your problems solved! He’s also good in any sort hacking issues! He’s the best of best

  • Lori J Gray

    I can entrust computerspyexperts who helped repair my credit score within A week i hired him. He removed all hard inquiries, late pays, accounts on collections with Federal tax lien on my credit score report. He clear off my credit card debts, upgrade card advance limit with 0% interest. He also fix/repair high school transcripts and universities grades. Feel free to contact him at (computerspyexperts AT gmail DOT com) if you still crave for salvation on credit card debts or credit score report.

  • Martina mills

    Do you want a QUICK and the most INTELLIGENT hack service?I will offer you darkwebcyberservice@gmail.com,He control all sort of hacking service including Wiping away criminal record • Paypal, MasterCard hack • IP Address • IPhone Hacking Tricks Windows.YouTube Hacking.I have tried him and i have confirmed his good work among all of this hackers out there,His work is legit and affordable.I remember when i was suffering from low score of 550 and was unable to get loan to boast up my business,Dark web service help me to boast my credit score to 750 plus excellent rsult within 24 to 48 hours and was surprise after his done with his work.I’m recommending him to you guys that need it’s service. darkwebcyberservice@gmail.com.

  • Martina mills

    Do you want a QUICK and the most INTELLIGENT hack service?I will offer you darkwebcyberservice@gmail.com,He control all sort of hacking service including Wiping away criminal record • PayPal, MasterCard hack • IP Address • IPhone Hacking Tricks Windows.YouTube Hacking.I have tried him and i have confirmed his good work among all of this hackers out there,His work is legit and affordable.I remember when i was suffering from low score of 550 and was unable to get loan to boast up my business,Dark web service help me to boast my credit score to 750 plus excellent result within 24 to 48 hours and was surprise after his done with his work.I’m recommending him to you guys that need it’s service. darkwebcyberservice@gmail.com

  • helen betty

    if your credit score is poor, a friend refer me to netsolvetechnology@gmail.com.. who just help me improve my score to excellent grade and clear unwanted judgment from my report ,he is very reliable ,tell him smith refer he will respond promptly.thanks to him

  • Jessica Graf

    Thanks to globaltechnologies46@gmail.com for helping me to increase my score, i contacted him after a friend referred me and he helped me clear all unwanted collections, added few tradelines and also improved my credit score…you can contact him today, he’s too sure 100%

  • ANDREW STEPHENS

    Do you need to increase your credit score?.

    Do you intend to upgrade your school grade?.

    Do you want to hack your cheating spouse Email, whatsapp, Facebook, instagram or any social network?.

    Do you need any information concerning any database..

    Do you need to retrieve deleted files?

    Do you need to clear your criminal records or DMV?

    Do you want to remove any site or link from any blog?

    you should contact this hacker, he is reliable and good at the hack jobs..

    contact : cyberfixitengineer@cyberservices.com, phone (941) 677-0914,(713) 231 0370

  • Jennifer Wilson

    thanks andrea philips for referring creditscorerepairplc@gmail.com, i
    contacted them just like you said over here and my credit score was
    increased to 750 and my collections were cleared to,so i see i need to
    share my testimony just like others have done too. so if you have any
    problem with your credit score you can contact them on Gmail too,thanks
    once again Andrea

  • charles john

    Hello, my name is Charles, I feel like I’m obligated to this guy who helped fix my crashing credit, I have really had multiple bad experience with credit repair companies and experts online. I opened up to a colleague about my poor credit report and how I have been ripped off my money severally by credit repair companies and experts online. He gave me his personal hacker’s contact. The guy actually fixed my report in just 5 days. He’s a credit specialist, he cleaned up all the negative information on my report and pulled my score to 786. His service charge is substantial and he is reliable and proficient in delivery. Contact him today via his email REPAIRWIZARD@WRITEME.COM and be glad you did.

  • Adriana marcus

    credit score can be so frustrating when poor and cant be used for anything good.Few weeks ago i was in the club of 500s-540.If not for the renovation of my old apartment i wouldn’t have gone to the extent of applying for a mortgage loan,on getting there i was advised to go and build my score and clear off all my outstanding bills. How is that possible in a month?i need to get a new apartment.So devastated i went online for solution when i saw a review on google about clearing negative items on ones report.Without much talk,i saw this email SEVENTY7hacker At hotmail Dot com.i mailed them and i was charged,ipaid part payment and bal when work is done.LOL..My items was removed and i had my score raised to 807. Don’t be surprise,it worked for me.

  • Faith Williams

    globaltechnologies46@gmail is genius…i can guarantee him 100%…i was doubting him first until he rendered his quality service to me..he helped me boost my score and also removed all unwanted collection from my credit report…

    • Vanessa Johnson

      I contacted him and he helped me repair my credit…he’s too good

    • Cornall

      Thanks for referring me

  • Mark Fisher

    After having multiple bad experiences with credit repair companies and figuring
    out the credit score they told me they boosted was actually false and the negatives on my report
    wasn’t cleaned I tried this credit specialist..
    I have read a lot of recommendations about him which at first made me doubt his legitimacy
    but when I contacted him and told him exactly what I want him to do he got it done
    surprisingly and showed me proof before I made the rest payment..
    I am also recommending him to ya’ll..”creditscorefix@repairman.com “….

  • Paul Moseley

    get your credit fixed and clear off your debt without any trace or being scammed.He is exceptional and very honest,i can testify to that..contact him through his email globalworld.hacker AT GMAIL DOT COM

  • Javier Bolanos

    get your credit fixed and clear off your debt without any trace or being scammed.He is exceptional and very honest,i can testify to that..contact him through his email cybermobilewolrld.hacker AT GMAIL DOT COM

  • Terry Sams

    if you need a reliable hacker then you should should reach out to cybermobilewolrld.hacker AT GMAIL DOT COM

  • Lucy Worm

    Hi,i really thank cheeterhacker AT outlook DOT com, i had to sell my home last year as a short sale because my husband died unexpectedly and I sunk fast. Prior to his passing away, we were never late on a payment. My credit score is low now but my income is fair but that wasnt going to boost my score. well cheeterhacker changed my story after he boosted my credit score and now i have been privileged to buy a house for me and my kids and be happy again.thank you ..

  • Vanessa Johnson

    I recommend globaltechnologies46@gmail.com to you…he’s a genius hacker and his jobs are accurate… he helped increase my credit score …i guarantee him 100%

  • creditkarmahacker.com

    contact us, visit our homepage. we are the best at boosting, repairing and hacking your credit score. we will thoroughly execute the job to the very last detail and make sure that no stone is left unturned while we work towards getting the job done. we will secure you your desired outcome

    • Thomas

      shout out goes to you guys for being straightforward and honest with me, I can never thank you enough

  • Tasha Edwards

    To solve your credit card debt issues , I allude you to contact a legitimate credit repairer AKA Privatespy. When I had plan of getting a house, I couldn’t due to a bad debt history and a low credit score. I tried various agencies for help and spent hundreds of dollars on credit repair services that didn’t work until I was introduced to Privatespy who did the magic in few weeks. He increased my score and also fixed the negatives on my report which now got me loans and a mortgage to get a new house . Contact him now via privatespy@contractor.net

  • rockefeller@programmer.net

    I’m a Certified Hacking and Security (CHS) Expert, that needs no further explanation. You can contact me on my mail above if you need help regarding boosting/fixing your credit score and regarding any other form of hacking and I’ll send you an estimate within few hours including info on manner of working. I also undergone training to help those that have been scammed in anyway recover their stolen money including binary options scam.

    “Your assumptions are your windows on the world. Scrub them off every once in a while or light won’t come in”
    Isaac Asimov

    • Credit Fix Quality Services

      Your Credit history determine your future financial behavior. Your
      Credit Report is carefully reviewed before updated on the 3 bureaus.
      Our quality services guarantees an increase in your credit score ,
      remove late payments, permanently delete negative items. Feel free to
      inquire here ;
      Creditfix AT qualityservice DOT com

    • George Milton

      You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via his email (globalview{DOT}hacker {AT}gmail{DOT}com) and i must say, hackers are the best. He raised my credit score to a golden score of 790 and removed the eviction from my credit among other negative listings. Now my life is much better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit. He’s the only hacker i trust can help out in any hack related issue.

    • Linda Pierce

      I would like more information on your service. Are they free?

  • Barr. Kelvin

    Hello readers,

    This is for those who need help in hacking.
    FUTUREHACK02@GMAIL.COM is the best hacker for hire. i have used them so many times and he never fails me he is the best hacker i have ever employed . They render services in hacking for various purpose such as:
    *Cheating Spouse *University grades changing *Bank accounts hack *Twitters hack *email accounts hack *Grade Changes hack *Website crashed hack *server crashed hack *Retrieval of lost file/documents *Erase criminal records hack *Databases hack *Sales of Dumps cards of all kinds *Untraceable Ip *Individual computers hack *Websites hack *Facebook hack *Control devices remotely hack *Burner Numbers hack *Verified Paypal Accounts hack *Any social media account hack *Android & iPhone Hack *Word Press Blogs hack *Text message interception hack *email interception hack Contact : FUTUREHACK02@GMAIL.COM

  • james whitmore

    keinetcybertechnologies@gmail.com helped me with my score and cleared all my unwanted collections within 24 hours tho.

    • jisuary padilla

      true did mine too,he helped improve my score ,my score is presently above 800 all thanks to him.

  • aponte jessica

    contact keinetcybertechnologies@gmail.com ,he can
    help you increase your credit score , he helped with
    mine and does not take him more then 24 hours.he is good tell him aponte referred you for quick reply.

  • Alan

    thanks Andrea Philips for referring creditscorerepairplc@gmail.com over here they are just to amazing i never believed they could increase my credit score and they also clear my dept and records i am so happy i will tell you that, they are the only one i have seen who can help you fix your score perfectly

  • Ortega Whales
  • Cornall

    I’m yet to believe this but it feels so good.There is a qualified credit
    repairer (Globaltechnologies46@gmail.com),who can help to improve your
    credit score…he helped with my. Contact him and thank me later.

  • jisuary padilla

    Contact keinetcybertechnologies@gmail.com if you need to improve your score

  • Mandy Hayes

    thanks Andrea Philips, me and my husband score has been increased by
    creditscorerepairplc@gmail.com i never believed this at first but i had
    to give it a trial and now i will be for ever appreciate this wonderful
    information you gave out here, now we can buy a house now
    thanks to creditscorerepairplc@gmail.com too for this

    • Jesse Jaeger

      yes creditscorerepairplc@gmail.com is really doing a great job for people
      i just came across this comment and i decided to testify for the good work of credit score repair plc
      they helped me to fix my score too

  • Arnold Smith

    My credit score was 422 and I couldn’t get approved for any loan, It was the horrible moment of my life because I got family which I have to seek for a better tomorrow. A few weeks later, my score suddenly increase to 798, using a an expert and wonderful hacker that understand the credit score firmly.He his honest about what I want and what is expected of me to do..He told me it would not take me up to a month before he will get the job done and he kept to his word..Now I can apply for just about anything that I want,I can’t thank him enough..Contact him today and make a bright future tomorrow..”captainspyhacker2ATgmailDOTcom

  • Marry Upton

    Thanks to creditscorerepairplc@gmail.com for this wonderful help, my
    score was increased to 750, see how amazing it was, he is the best i
    will tell you that, now i could get a home,
    so if you have any issue
    too with your score you can get to them i assure you of the services he
    renders you can get to him on Gmail creditscorerepairplc@gmail.com
    i read his review over here and i gave him a trial and it work for me perfectly
    Thanks for this and thanks for your effort for helping many people over here too
    God bless..

  • Jannet Spencer

    wow! creditscorerepairplc@gmail.com is the best, i just got my score
    fixed now, just as i said i was going to contact him and it was true
    about the services he offers to people, now i am referring you to him
    just like Andrea told over here
    he is really Good i will tell you that, i am really happy now after all this years
    so you can get to him on creditscorerepairplc@gmail.com and he will surely solve any issue on your score
    Thanks once again.

    • Its Me Andre

      How much was the fee

  • Marian

    I always wondered how I could boost my score after constantly getting ripped off by lenders,credit card companies and banks due to my poor credit..But Private Investigator came through and I can’t thank this dude enough..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 2weeks yes I just said that!! Hit him up on his work email “(cyberhackgenius AT hotmail DOT com)” and regular cell (+1(916) 6742172)

  • Crag David’s

    Its just really hard to get a genuine and trusted hacker but you are lucky if you get to contact (Morrisgraycracktech) at gmail which his services includes: Hacking, Tracking, Spying
    Retrieving of deleted text, pictures and videos.
    Upgrading results.
    Provision of information and evidence.
    Can help to prevent you from being hacked or tracked.
    Retrieving of deleted text, pictures and videos.
    Adding your name to guest invitation list.
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    Can help to prevent you from being hacked or tracked.
    He can also teach hacking for an affordable price.
    You should contact (
    Morrisgraycracktech) at gmail and thank me later.

  • james whitmore

    I recently got my credit score checked and ever since I have been stressed out. My score is 479. I didn’t understand credit entirely when I got my first few cards. I failed to make payments on time, I closed two cards out shortly after opening them, and my third card was sent to collections then i got referred on discus to contact keinetcybertechnologies@gmail.com 2 weeks after contacting them my score was improved to 820 and i did not pay a dime until it was fixed.

  • creditkarmahacker[DOT]com

    count down your days of bad credit score. no one is above an excellent score and you do not have to be wealthy to have excellent score. we will help you to repair your credit score, permanently. just check out our sheet….same as above, you will get in contact with a veteran and well experienced elite who will adequately see to it that your credit is not only boosted to excellent but also remains excellent . get started today!

  • Michael Cole

    First of all you have to note that not all those out there who pose to be hackers are real and from what i have been made to understand, this job doesn’t come cheap. I have been a victim of fake ass hackers who took me for over five thousand dollars in bits this happened until i met this geeky fellow, the best hacker out there Captain spy just as his name implies he’s a hacking god. He helped me with my work and explain to me in details how credit score is grouped. Here are the details he revealed to me

    Payment History – 35% – This is typically the first thing a potential lender will want to know. Have you paid your past accounts on time? Have you missed any payments?

    Total Amounts Owed – 30% – How much you owe on each of your credit accounts. Higher amounts does not necessarily mean you are high risk, other factors are considered as well.

    Length of Credit History – 15% – Generally a longer credit history will yield higher credit scores. But that’s not always the case, it also depends on how often you use your credit, and how responsibly you manage your debt.

    Types of Credit in Use – 10% – Credit score providers will consider the mix of credit accounts you have, such as credit cards, retail accounts, auto loans, mortgages etc.

    New Credit – 10% – Lenders want to know if you’ve recently been applying for many credit accounts in a short period of time. That can often represent a greater risk to the lender. captainspyhacker2 AT gmail DOT com was the programmer behind my credit boost and what I outlined here was a some tips about credit score that was included in my boost package

  • mike craig

    Good day everybody am Craig Wise By name i want to give thanks and a great appreciation to Ramse Dave Loan Company for offering me loan for purchasing my house with a low interest rate. I want to give thanks to him for giving me this loan. My friends out there who needs loan for different purposes i advice you contact Ramse Dave Loan Company for loan instead of falling in to hands of Scammers online. Am happy today because of Ramse Dave Loan Company. So if you want to contact them for a loan you contact them on: ramsedave121@gmail.com

    Craig Wilson

  • Henadez Diego

    thanks Andrea Philips for referring creditscorerepairplc@gmail.com over here they are just to amazing i never believed they could increase my credit score and they also clear my dept and records i am so happy i will tell you that, so you can get to them too if you have any issue on your score
    so you can also get to creditscorerepairplc@gmail.com if you need to improve your score

  • Dexter Crunch

    Do you need to delete and wave all your criminal records? I’ve used this guy and he’s the best out there. He helped me delete all my criminal records from 1992 and now i’m a free man. He also help me increase my credit score to 780 and clear my credit cards debts as well. I can beat my chest thrice and tell you he’s the best out there. If you need any of this services, I will implore you to get to him for quick help with affordable price asap….. https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

  • mark nixon

    keinetcybertechnologies@gmail.com has helped me and am grateful,i got my score improved by him took some time but still he came through,i could not get a loan before,but now have gotten a loan and my house is now save from foreclosure.

  • Larson graham

    On this platform, someone referred me to retrodataservicesATgmailDOTcom and he helped me at the time when I needed to fix my credit score. I had my credit score increased to 750 when I contacted him. I reached out to him for both credit score increase and clearing of criminal records, which he helped fix in 4 days, I believe retro is the best, try him too.

  • Fidel

    The best way to get your criminal records wiped off in any country is to hire a very good hacker to get it done for you. Contact – incfidelibus(AT)gmail(DOT)com

  • Jessi Abey

    The first time i came to this blog, i never knew
    creditscorerepairplc@gmail.com was going to really help me fix my credit
    score, i had a lot of collectons and negative items that was affecting
    my score, but here today my score was fixed by credit score repair plc,
    it was just amazing when i saw people he has helped here
    thanks to people who had shared their testimonies of his work so other can know about him too
    now i can get a home soon
    thanks again, God bless.

  • Gennady Fedya

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  • Smith Moreno

    Thank you hundred folds blackelittehacker@gmail.com I followed the instruction I was given by the Access Guys . My medicals bills were deleted. I found out that immediately that i was boosted by 98 scores after deleting . I was also boosted 790 ( which was the score I wasted to get to .) I think they are partly Russian , They have this accent but who cares , as long as they did my credit score reply.

    Thank you Thank you u, Oh my God I’m the happiest person on earth now…contact blackelittehacker@gmail.com

  • Smith Moreno

    I recently got my credit score checked and ever since I have been stressed out. My score is 470. I didn’t understand credit entirely when I got my first few cards. I failed to make payments on time, I closed two cards out shortly after opening them, and my third card was sent to collections then i got referred on diqus to contact blackelittehacker@gmail.com 2 weeks after contacting them my score was improved to 800 and i did not pay a dime until it was fixed.

  • Freddie Garfield

    I can vouch for jacksonfieldfixes they helped me increase my credit score. Never thought I will find myself in such a financial mess until he came to my rescue. I wanted a truck but couldn’t afford it because my credit score was bad. Now, I get double the limit. Contact him jacksonfieldfixes@fastservice.com. You won’t believe how they do it perfectly They are legit folks

  • Rita Bernard

    If you need a hacker to boost your credit score fast contact (646) 490 1318

  • Mary Rawlins

    My family is happy and grateful to forbes-technologyI had my credit increased from 520 to 850 within a short time with the help of forbestechnology007@gmail.com someone from here linked me up with them, at first I was skeptical about it but I contacted him because I needed to get a loan. I have recommended him to few of my friends and you can contact them through email if you need your credit fixed too.

  • samantha

    had my credit increased from 520 to 850 within a short time with the help of forbestechnology007@gmail.com someone from here linked me up with them, at first I was skeptical about it but I contacted him because I needed to get a loan, now my family is happy and grateful to forbes-technology. I have recommended him to few of my friends and you can contact them through email if you need your credit fixed too…

    • Davis Walker

      I think this creditsprorepair@gmail.com are doing just good. we should let a lot of people know about them and how helpful their service has been. They helped me at the crucial time I needed to get a loan and put other few things in place.

  • Elizabeth Thompson

    Fix your credit score by going for credit repair which will improve your credit report and expunge all your negative items permanently. One of the quickest and safest way is to hire a professional credit score specialist who can lawfully and economically re-establish your credit score and remove negative items. I was able to employ (Cyberguru@inbox.ru) who helped me erase all bad items permanently. He was also able to remove damaging items like evictions or foreclosures from my credit file! He can provide ethical, powerful, and affordable credit. Right now I have an excellent score grade and all my debt have been wiped off. You can forward your request to the address or contact him via (619) 720-4814. Get on your way to strong credit again.

  • Rolando Parada

    Hello everyone, I use to see a credit financial adviser with some mess I made as regards my credit report but to no avail until I read about a group of hacking team who everyone talks about on the internet..I got intouch with them and explained exactly what I wanted them to do for me and to my utmost surpirse they got it done in less than 2weeks..I am urging anyone who is in need of this kind of services and more to touch base with him..I am assuring you he is going to meet your hacking needs..Get intouch with him on gregoryivan07 (at) gmail (dot) com, and you will be glad you did

  • Deniss Hunter

    This is so amazing,i was doubting this service from the start not until it happened like magic, i had all negative collections removed and permanently deleted from my credit reports,dejatech007ATgmailDOTcom is the best, he did a wonderful job for me , he boosted my credit score as high as 800s and he also increased my credit limit,he fixed my credit score permanently , now am free from all debts and loans ,i was able to get a new house for myself and my niece,i guarantee you if you have similar problems he will help you out immediately , i promised to tell people about his wonderful works , kindly tell him from Michelle . lll

  • Micheal Andrews

    Have always wanted a big home for me and my family,but my bad credit score wont let me get one,have tried all i could and have worked on getting mortgage loans and bank loans as well as cars but i couldn’t cos of my credit score,so lucky i bumped into a old friend of mine who referred me to Superbtechnologies444@gmail.com who has been helping people fix their bad credit score within a week,i tried him out also and he was good he helped me get my score to a level at which i could get all have always desire. Superbtechnologies444@gmail.com his really a professional dealing with credit scores

  • Arthur Martinez

    i was able to improve my credit score to 800, so i can tell you how
    if you need help,reach out to superbtechnologies444@gmail.com,his job is
    100% fast and reliable.

  • Valery Murray

    Hi everyone..I am trying to recover from a deceitful relationship and also trying to help people figure out if their partners are cheating or not..I am friends with the head of team of a hacking team..His investigation services include surveillance of a cheating spouse, partner, wife, husband, boyfriend or girlfriend,hacks from destroying data and evidence against you,changing school and university grades,increasing credit score,expunging your driving and criminal records to someone who is trying to blackmail you,he does random bank wire transfers and etc..He helped me hacked into my ex phone and find out he was cheating on me..If it wasn’t for him,I would be in the dark still…Here’s gregoryivan07@gmail.COM,,..Tell your friends,family and loved ones to get in touch with him..He offers affordable rates, fast service and is highly confidential

  • Young Myen

    Today, my TransUnion new score is 775 out of a possible 850; my Vantage score is 990 out of 990; my auto score is 905 out of 950; and my home score is 912 out of 950. All scores computed from the same database on the same day. Why the variances? Use of different algorithms. Who controls the algorithms? The rating agencies..What can you do about it—-nothing! I filed a complaint against the rating agencies in 2010 to the FTC, and to date, they have acknowledged receipt but have not responded..They are not going to repond. The rating agencies run wild
    I don’t need new credit. I am 73 years old, and have assets. However, I do pay auto and home insurance each year and not having my home and auto scores maxed-out affects what I pay for home and auto insurance each year. Probably costs me several hundred dollars for my private residence and rentals.
    I repeat, the credit rating agencies have more power over your financial life than you can imagine, and they report to no one. Not one government agency will get involved in the algorithms used by rating agencies. It’s their call. Not even the new Consumer Protection Agency will touch this subject. I know. I tried to get them involved but got disappointed..As usual no response..I was able to put a full stop to through the help of a young man and now my scores are what I want it to be..He’s honest and very intelligent..The way he worked it all out I have no idea but he did..You should contact him today he will help change your life
    <<<<<<<PRIVATEINVESTIGATOR1967@gmail.com
    +1(253) 234-9230

  • great post i will try these ideas for repair credit score.

  • Linda Welsh

    I just got my scores improved to 780 after reaching out to the best credit repairer with great concept and reviews.He also removed all unwanted items from my credit.His services are 100% Excellent. I recommend you try him today

  • Linda Welsh

    Are you in debt and you’re looking for a way to clear it off your credit report or do you have a very low credit score….worry no more,no need for sleepless I was in the same mess few weeks back till I was introduced to a professional credit repairer who increased my score and cleared my debts.I tell you the result was awesome I have my score at 780.I recommend him for anyone with credit issue to get it fixed today.Hit him up at superbtechologies444@gmail.com now

  • Jennifa Jullet

    if you need to fix your credit score or clear any dept or records or increase credit card limit you can get to this new organization fixing credit score on creditscorerepairplc@gmail.com they can help you with that am very sure that i just confirmed it now so get to them if you have any credit score issue on gmail they will respond to you just like he helped me too
    thank me later

  • Jennifa Jullet

    Thanks to you Rusty for referring creditscorerepairplc@gmail.com,
    he helped me increased my credit score to 800, i never believed it not
    until i logged in to view my new profile and i saw a new score of 800
    805 810,

    this is very amazing thats why i am sharing this to the public so you can know of creditscorerepairplc for his great work,

  • Sabrina Graham

    My score was recently improved by keinetcybertechnologies@gmail.com after being ruined by a bank through an LLC account i closed a long time ago,my score have been dropping like a rock since them until i got recommendations to contact him,he helped improve my score and cleared my negatives from my credit,.

  • sarah phil

    I have been battling with my low credit score until a friend of mine introduce me to this guru.I must confess and be professional with my statement because i doubted him at first because of my previous experiences where I was ripped off.but my friend keeps given more faith and decided to give him a try and my score finally increased within 24 to 48 hours and he also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy.I don’t have a choice to review him to the wold in case you guys need such assistance.Contact him on his via email.(darkwebcyberservice@gmail.com).

  • Dustin Coleman

    My credit score was 620 and i need a golden score to purchase the house of my choice. I was so worried of getting my credit score up because i needed this so badly. I was referred to him by a close friend of mine that he’s the savior of our time in increasing of credit score and deleting of negatives collections on your report. He helped me delete the 3 negatives items on my report and helped me increase my credit score to 830 excellent within 72 hours and i’m able to get the new house i want and i live happily now because i have a great credit score. You gonna thank me later https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

  • Rusty Brook

    I have also contacted creditscorerepairplc@gmail.com
    and my score was improved perfectly to 812 804 787, i am very happy now
    i can purchase a home soon, he is the best repairer that what i will
    say because i have contacted so many that have failed me but finally he
    saved me

    so get to him if you have any issue with your credit score.

  • Mariah Dime

    https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg is the best out there. I saw people commenting and giving testimonies and I have to use him so i can confirm if he’s legit or not. I contacted him and i was told to fund the exploits and wait for 48 hours. He helped me delete all the negative items on my credit report and increase my credit score to 800 excellent plus and i was able to get applied for the house and loans of my choice. He’s fast, good and reliable, Get to him today and thank me later

  • Nathan

    I lost my house about 5 years ago, my credit was so terrible that, i had a tone of medical bills in collection, I can’t afford to rent a comfortable home to live, because even land lords run credit checks it was the most horrible and screwed moment of my life . i knew i had to do something to get back on track and I read about this credit coach on google captain spy (captainspyhacker2 AT gmail DOT com) who had helped so many people, I finally give him a try. I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fix these It looked weird to me at first but a month later my credit which was low increase which I also confirm it on credit reporting agency file. This is totally incredible i can now buy a home. Signing the papers in a week. Thanks Captain I really appreciate man!

  • Berry French

    He helped me delete all the negative collections on my credit report and increase my credit score from 575 to 829, I saw everybody publicizing his good work on credit report and upgrade before i decided to contact him. He’s the best i can recommend because he’s the only real deal out here. https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

  • Alicia Marie

    Hello,I decided it was time to buy my first car at 26 years old. This was a scary prospect for me, because it was a massive debt, larger than I had ever had before because I never went to college so I had no student loans. In fact the only debt I had at the time was a department store card, which was a balance of about $300 and had already went to collections because I was unemployed not long before that so I couldn’t pay it,recently I was recommended to contact keinetcybertechnologies@gmail.com for credit repair service,he helped improve my credit score to excellent grade,thanks to him I was able to buy my first car

  • Steven

    My credit suddenly increased from 520 to 800 plus within a short time with the help of darkwebcyberservice@gmail.com. Someone from here linked me up with him.i was scared because have been a scam victim before online.i started with him to help me hack into my website and i got positives result from him.with this i have no choice to share a testimony about him because he bring me back to my standard and his also good in all sort of hacking skulls you need from him(increase or fix your score,clearing criminal record,hack into your girl friend Facebook,Hi messages,WatsaPP and more)get hold of him because his one of the professional hack out there….(darkwebcyberservice@gmail.com)..

  • Davis Walker

    I saw couple of testimonies about this forbes-technology services and I decided to try them out when I had this similar issue. I was rejected for a house and car loan because of my low credit score and I had some debts. I raised it as a topic here and someone implored me to contact them. First, they covered my debts and also helped boost my credit score, just in day and I was able to get my loans without pressure. myself and my family was so impressed. I promised I’ll share my experience with you guys as possible as I can, you should contact them too, forbestechnology007@gmail.com, they will help.

  • Brian Cooper

    I met him back then in 2014, he has helped me with more than 8 exploits, he is a great guy and a competent professional. I feel everybody should have him as a hackerbuddy…Get intouch with *cyberguru@inbox.ru* contact him for anything you might need

    • Jennifer Enrique

      Cyberguru gave me excellent guidance, information and education. Credit is king…in this world…. and thanks to cyberguru, I now have Platinum Credit!
      5 Stars…. All the way up!!!!!!!!

  • Mary Abraham

    my score was very low before i contacted creditscorerepairplc@gmail.com,
    but now my score has been fixed to 800’s and he did for my husband too when i found him on this forum,
    he is the best out all the repairers i have contacted, he is the only
    one i found best, so i will say get to him for credit repairs just like
    he helped me too

  • Davis Walker

    I have a friend who got approved. when I asked him how he did it, he told me about credits pro repair company when I needed to fix my credit. He said they helped him create credit histories accordingly without dirty attraction, I can’t really explain how they did it. contact them, creditsprorepair@gmail.com, they will sure help you because I have experienced their service and its just 100%.

  • samantha

    had my credit improved from 500s to the 700s within a short time with the help of “credits pro repair” someone from here referred me to them, at first I was skeptical about it but I contacted them because I needed to get a loan and get my house issue sorted out, now I’m so grateful to credits pro repair. I have recommended them to few of my friends and you can contact them too through email if you need to repair your credit “creditsprorepair@gmail.com”
    Reply

  • Jennifer Enrique

    Started repairing my credit few weeks ago, and already more score has jumped 760 from 510..Trust me, you wont get results like this doing it yourself – just fast track your results with professionals like CYBERGURU@inbox.ru Credit Repair..He’s the wizard everyone is talking about all over the internet..Get him on his regular (619)720 4814

  • Sonia Nobles

    For a very long time i had been in a mess due to my bad credit. I wasn’t granted any loans or mortgage but thankfully i met a hacker guru through several recommendations on Facebook who helped me upgrade my credit score and fixed my credit report in a very short time. He works with discretion and delivers efficiently without charging outrageous fees. Now I’m typing from the comfort of my home all thanks to him ….You all can contact him through his mail account (CYBERGURU@INBOX.RU) and mobile (619)720 4814. Give him a trial and you will be convinced. Cheers!

    • Elizabeth Thompson

      There was no way I had the time or knowledge to fix my credit myself. cyberguru did exactly what they said they would do. Thanks for the service & money well spent.”

  • Anita crag

    you are lucky if you get to contact (Morrisgraycracktech) at gmail which his services includes: Hacking, Tracking, Spying
    Retrieving of deleted text, pictures and videos.
    Upgrading results.
    Provision of information and evidence.
    Can help to prevent you from being hacked or tracked.
    Retrieving of deleted text, pictures and videos.
    Adding your name to guest invitation list.
    Provision of information and evidence.
    Can help to prevent you from being hacked or tracked.

  • Clement

    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 captain spy 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 48 hours and my score increase to 750 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. I do not think anyone can provide you a service better than him and its affordable.(CAPTAINSPYHACKER2 AT GMAIL DOT COM)..This is awsome!!!

  • Carolyn Gary

    “I am writing to express my extreme satisfaction with the way you handled the correction and reconciliation of my credit files.”Prior to the work done by your office, I had difficulty in obtaining credit purchases and business credit on many occasions. …I am now able to obtain almost any personal or business credit I require. You are truly an exception to the many people who advertise credit repair but never follow through.” Thank you so much for your very expert assistance .cyberguru@inbox.ru is the real deal, go get a better score.

  • Rebecca Tyla

    “I got my loan”
    “I just wanted to write you a letter to express my gratitude for all the work you and your staff has done for me in correcting my credit issues. I was not sure what I was getting myself into when I spoke with you 2 months ago…I did not think you could get my credit re-established as soon as you did. By using your service and by being patient, you have cleaned up my credit to the point where I can now be qualified to purchase a home as an “A” paper borrower!! Absolutely amazing!!! You took my bad credit with bad fico scores of 450 and pushed it to 756!! Oh and to let you know I recently applied for a car loan at the Bank and I was approved!!! I got a good rate and the vehicle I wanted. I could never even think that this could happen as soon as it did. Thanks a MILLION. I have been telling all my friends and clients about you. You deserve a ton of recognition for what you do. Hopefully this letter will assure others to trust your service and let a miracle come to pass!!” contact cyberguru@inbox.ru

  • Alexis Sandra

    Don’t be too anxious to contact fake hackers, I’m telling you this due to my past experience from fake hackers until I find this professional and trustworthy hacker eaglespyhacker gmailcom who was able to get my job done for me within some hours. He is really capable of doing any sort of hacking you which to like Fb, WhatsAp, Snapchat, wechat,Twitter, and mails,
    Be careful guys spy is the man that befits your work.I believe you will surely thank me later with my personal experience with him….tell him Rhonda refers you.
    you can also contact him-(205) 561-0697……..

  • Florence Digne

    first of i read some of the comments and i just felt i owe the hacker that has helped me on several incidences i don’t know what i will have done without him hes such a heaven sent. i am a 67 yea old man and i have been widowed for almost eighteen years now i tried remarrying ones and it was hell, my son asked me if i was sure of the wife i wanted to marry but i was lonely and needed companionship so i told him i was, then he said just to be sure he was going to introduce me to an ethical hacker that helped him fish out his pedophile friend against his daughter i agreed to it and he had her phone tapped, granting access to her messages and her mails and apps. it was like rocket science to me i never knew anything like that was possible , i owe him publicity at least for exposing the kind of evil person and cheat she was . you can reach out to him for similar issues with the assurance of success and discreteness . SKYEDGEdotHACKERatGMAILdotCOM. you can tell him Mrs Florence referred you

  • Its Me Andre

    Before any body try creditscorerepairplc@gmail.com i want to let y’all that they is a scam dont believe the hype

  • Erich Heilmann

    Debt from fourteen years ago was the only thing keeping me from buying the home my wife and I had always dreamed of. keinetcybertechnologies@gmail.com was prompt, courteous, and genuinely cared about the problem my wife and I were having.he fought hard for me, and thanks to him, my wife and I are closing on our house next week! I would recommend him to anyone with credit issues!,am also happy am not the only one he has helped here.

  • George Milton

    You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via his email (globalview{DOT}hacker {AT}gmail{DOT}com) and i must say, hackers are the best. He raised my credit score to a golden score of 790 and removed the eviction from my credit among other negative listings. Now my life is way better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit. He’s the only hacker i trust can help out in any hack related issue.

  • John robinson

    I saw many comment on Youtube of how captain spy had helped many people increase their score. I give him a try and he did an amazing job. He is an expert that delivers in 24hrs or less. You can email him via captainspyhacker2 AT gmail DOT com. He is affordable

  • George Milton

    You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via his email (globalview{DOT}hacker {AT}gmail{DOT}com) and i must say, hackers are the best. He raised my credit score to a golden score of 790 and removed the eviction from my credit among other negative listings. Now my life is much better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit now.

    • Kevin condor

      I think i might argue with you on that. My credit score was the worst i’ve seen. But you’re right Mr George, global View is truly a professional. He gave me no trouble at all and fixed my credit including increasing my credit score, all in less than 48hours. I would be forever indebted and grateful to Global View for the opportunity and priviledge to have and live a better life. Incase anyone needs the help of a hacker here’s his email, globalview’DOT’hacker’AT’gmail’DOT’com.

  • Richard Milton

    I had my score increased by 150 points last month alone. Credit Repair Services by wymandustyn [AT] gmail [DOT] com , he was very helpful. He is a Network Engineer and credit scoring expert with years of consumer credit industry experience, serving as consumer affairs personnel for FICO and consumer operations personnel for Experian. He was a sure bet for me.

    • hifaith17

      is it legal?

      • Richard Milton

        it is legal and not in anyway contradicting the law. I haven’t had any issues ever since.

    • mikel

      I just saw a notification from Experian about removal of some negative items. wymandustyn@gmail.com was very helpful indeed. Thanks Richard

  • George Milton

    You think your credit card is bad?, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via email at globalview{DOT}hacker {AT}gmail{DOT}com and i must say, hackers are the best. He raised my credit score to a golden score of 790 and removed the eviction from my credit among other negative listings. Now my life is way better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit now. He’s the only hacker i trust can help out in any hack related issue.

  • George Milton

    You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via email at globalview{DOT}hacker {AT}gmail{DOT}com and i must say, hackers are the best. He raised my credit score to a golden score and removed the eviction from my credit among other negative listings. Now my life is much better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit now. He’s the only hacker i trust can help out in any hack related issue.

  • Jeannetta Newlon

    “Just wanted to thank you for everything you have done for us. In less than 2 weeks of working with you, our credit score has raised high enough to be able to qualify for a mortgage loan that we were not able to before. Besides that, everyone there was so professional and friendly and easy to work with that it made the whole experience quite enjoyable. I have already recommended you to several people and will continue to recommend your services to everybody I come in contact with.” cyberguru@inbox.ru is the email..

    “God bless you.”

  • George Milton

    You think your credit card is bad?, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via email at globalview{DOT}hacker {AT}gmail{DOT}com and i must say, hackers are the best. He raised my credit score to a golden score and removed the eviction from my credit among other negative listings. Now my life is much better than i ever thought it would. I can now get approved for loans, mortgage, surgery e.t.c. I’ll advise you contact him to help fix your credit now. He’s the only hacker i trust can help out in any hack related issue.

  • Erica Burtt

    hello everyone, i’ve seen a lot of people complain about their credit issues and i think it’s high time i tell the secret of how i got my credit score increased in so little time. It was with the help of a hacker. Telling you my experience can never be as good as you experiencing it yourself. Here’s his email address email; globalview(.)hacker(@)gmail(.)com. You can Contact him to fix your credit. You’ll be back to thank me.

  • Erica Burtt

    hi everyone, i’ve seen a lot of people complain about their credit issues for so long and i think it’s high time i tell the secret of how i got my credit score increased in so little time. It was with the help of an underground hacker. Telling you my experience can never be as good as you experiencing it yourself. Here’s his email address; globalview(.)hacker(@)gmail(.)com. Contact him to repair your credit. You’ll be back to thank me.

  • steph jordan

    For a very long time i had been in a mess due to my bad credit. I wasn’t granted any loans or mortgage but thankfully i met a hacker guru through several recommendations on Facebook who helped me upgrade my credit score and fixed my credit report in a very short time. He works with discretion and delivers efficiently without charging outrageous fees. Now I’m typing from the comfort of my home all thanks to him ….You all can contact him through his mail account (CYBERINTELLIGENT13@GMAIL.com). Give him a trial and you will be convinced. Cheers!

  • Mike Bailey

    Contact certified legit Hackers Services for your cyber job. We do Changing of school grades, Facebook hack, Yahoo hack, Gmail hack, Outlook Hack etc We are database hack expert, Computer analyst and consultant, School transfer, Email hack, Bank logins, Dead fullz, WU transfer, Money Gram, Credit Transfer, Credit Wipe, repair credit report, Verified accounts for transfer For all cyber work and hack. Email us terminushack007@gmail.com

  • Dennis

    My credit score was fixed within 4days and has been stable overtime, what I called surprise exactly. No more stress regarding low scores. I’d like to give details on this if anyone really want to know how… “sandennis004 at post dot com” is an email you can contact me on.

    • Allan Justice

      Email me allanjustice75 , at, g , mail

  • albert smith

    I was looking at relocating to the east coast for a new job and am looking to purchase a new home for my family and I. I’ve looked into my credit and while it’s not bad at 760, it’s not as good as I know it can be. I am wondering how can I improve my credit score quickly before I apply for a mortgage, well i got the answers to my questions when i hired spywarehacks AT gmail DOT com. contact him if you need to hire someone to up your credit score and optimize your card.

  • Cassey Godins

    If you need to delete all the negative collections on your report and also to increase your credit score without traces. I will advise you to get the this great guy and get to know whats going on. I have used him couple times and I’ve also introduce him to my friends and they’ve used him as well. I can tell you he’s the best, legit and most affordable. Thank me later https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

  • Sonia Nobles

    Hello guys! if you are experiencing lots of problems on your credit card, get in touch with this dude, his name is Brian. He is a genius!!! He gets all issues about your credit card fixed up, including increasing your credit score,
    paying off your debts on your credit card,denial of loans or any sort of mortgage, he fixes hacked credit card and lots more. I call him a fixer too!!!,
    i have referred him to alot of people and they tested and confirmed his services. You can contact him through: CYBERGURU@INBOX.RU. I bet you will be fulfilled and satisfied. Cheers!!!

  • Erica Burtt

    hi everyone, i’ve seen a lot of people complain about their credit issues for long now and i think it’s high time i tell the secret of how i got my credit score increased in such little time. It was with the help of a hacker. Telling you my experience can never be as good as you experiencing it yourself. Here’s his email address; globalview(.)hacker(@)gmail(.)com. Contact him to fix your credit. You’ll be back to thank me.

  • Cyber Shieldnotch

    “Cybershieldnotch” a large orgnisation of solution technologists..!! We Render help to strictly talented computer gurus that finds it hard to make good living with obviously what they good at “HACKING”..we have worked and still in conjunction with DARK WEBBERS,AGENT GURUS, CHECKHATTERS,SONY PLAYSTATION,GMASS COPERATIONS,CYBER WORLD and TECH CRAFTS Etc..for years now, We’ve helped keeping situations in check with these organisations listed above and so many sites, Bank Accounts, school upgrades also clear criminal records of all sort and in short timing hacked petty cyber sites accounts like Skpe, Fb, Whatsapp, Tinder, Twitter but these are significant experience a good and effectively recognized organisation must firmly ascertain and minorly our “AIM” here.
    1: The aim is to render proficient solution to those having cyber issues and technically needs a hacker to get their job done effectively fast..!!
    2: to recruit real hackers (gurus only) in need of job with or without a degree..!!
    So if you ever need a job done or interested in joining the organization (an online binanry exam will be set for those in need of these job) you can write us on
    Cybershieldnotch@protonmail.com
    Cybershieldnotch@gmail.com
    Thank you!!!

  • Jason Lamb

    I got his contact from a friend and he told me to believe in him so i decided to take a try by getting to him. My credit score was 615 when i contacted him for help. I was told to fund the exploits and wait for 72 hours. He help me increase my credit score by 199 points and my credit score is 814 and i’m able to get a house of my choice and some other loans as well. He’s the best out there. Get to thank me later https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

  • khalid
    • celestina

      Thank you for your referral , after i contacted him he was able to hack my cheating husband’s phone and he was also able to increase my credit score.

    • rikiti

      do not hire any hacker here without first reading this post (https :// hackersforhiresite. wordpress. com/2017/05/12/want-to-hire-a-hacker-read-this/ ) so you don’t fall prey to fake hackers…

    • Lucas Somerhalder

      A friend of mine shared a testimony of how professional a ethical hacker he met online is, so i told him to link me up with him. Then i gave him a job to hack my cheating wife’s iphone because i noticed she makes secret calls and whenever i show up she ends the conversation. But unfortunately, after the hack was completed i discovered that the 8 months old baby i thought was mine was actually for another man she was still having an affair with. I’m sad but glad i found out about this at a very early stage before it gets too late. This ethical hacker is the best at what he does. I also gave a friend his contact and he is currently helping him increase his credit score and remove eviction off his record. Don’t fall for scammers, i know how it feels to actually loose your hard earned money to them, i have been a victim ones and i wont want that to happen to someone else. So contact this professional hacker at spystealth(.)org(@)gmail(.)com for issues concerning hacking. You won’t be disappointed.

  • George Milton

    You think your credit card is bad, mine was terrible. i was at the edge of loosing my family, when i got saved by an old friend of mine who introduced me to a hacker by the name Global View. I didn’t at first believe it but i had no choice, i was about to loose everything. So i contacted him via email at globalview{DOT}hacker {AT}gmail{DOT}com and i must say, hackers are the best. He raised my credit score to a golden score and removed the eviction from my credit among other negative listings. Now my life is much better than i ever thought it would. I can now get approved for loans, mortgage, surgery and so on. I’ll advise you contact him to help fix your credit now. He’s the only hacker i trust to help out in any hack related issue.

  • rikiti

    do not hire any hacker here without first reading this post (https :// hackersforhiresite. wordpress. com/2017/05/12/want-to-hire-a-hacker-read-this/ ) so you don’t fall prey to fake hackers…

  • William

    Okay I used to be a lavish spender and nonchalant about my credit scores until one day, reality gave me a swift kick in the rear. I grew weary of renting, so I decided to pursue the proverbial American Dream and purchase a home. I contacted the loan officer and applied but got declined. Coincidentally, that night I found a Home magazine in my former apartment, i read one woman’s comment on how a guy fixed her credit scores and she was approved for a home loan in 4 days. I never doubted so i contacted the same guy to fix my scores and to my surprise he did excellently. I moved into my new home last week and my FICO score is still at 750 with a clean credit history. Believe me,this dude is the real deal plus his services are fast, efficient, affordable and accurate. You should contact him to fix your scores and for credit advice at his email address below https://uploads.disquscdn.com/images/406c15dce499ab69392cacb83230a49dbcf8ef21d5d7bd2a0bae84b5a2aec702.png

  • Nathan

    If your credit score score is poor and you want a solution to it, you can inform this credit coach via his gmail (captainspyhacker2). A friend refer him to me and he increased my score to excellent. He is a professional that understand in and out of the three credit report agency company of (equifax, experian, TransUnion), he is reliable and honest

  • DOROTHY HOUSTON

    IF YOU REALLY WANT TO EXPERIENCE A LEGIT HACKER WHO HAS THE KNOWLEDGE OF THE CREDIT BUREAU BEFORE HE RETIRED IN ORDER TO SET A SCHOOL ,WHERE HACKING IS BEING IMPACTED ON YOUNG GENERATIONS.I WAS PRIVILEGED TO MEET SEVENTY7 IN PERSON.INDEED WE HAVE GENIUS WHO ARE KEEN TO HELPING OTHERS WITH THEIR GIFT,EVEN THOUGH ITS NOT FREE DUE TO STANDARD OF LIVING FOR THEM TOO.I EXPLAINED MY PREDICAMENTS TO HIM AS I GOT DECLINED SEVERAL TIMES FOR MORTGAGE LOAN,AND ITS BECAUSE OF THE POOR SCORE I HAVE.I HAVE BEEN ON THE ROLLER COASTER SEVERAL MONTHS TRYING TO FIX THESE PROBLEMS MYSELF BECAUSE I HATE TO BORDER SOMEONE ABOUT MY PROBLEMS.AFTER SO MANY SOLUTIONS GIVEN TO ME AND HOW TO GO ABOUT IT.I DECIDED TO GO FOR UPGRADE AND REMOVAL OF COLLECTION OFF MY CREDIT REPAIR.ITS BEEN THREE WEEKS NOW AND I HAVE EXPERINCE SEVERAL CHANGES ON MY REPORT AND THE MOST SURPRISING ONE IS THAT A LENDER CALLED ME THEMSELVES AFTER I SENT THEM A COPY OF MY REPORT ONLINE.I HAVE BEEN APPROVED AND RAISED TO AN EXCELLENT SCORE THAT IS GONNA BE PERMANENT AS LONG AS I MAINTAIN EVERY WARNINGS GIVEN TO ME BY seventy7hacker (AT hotmaildotcom).

  • Mike Bailey

    Contact certified legit Hacker Services for your Changing of school grades, Facebook hack, Yahoo hack, Gmail hack, Outlook Hack, School transfer, Email hack, Bank logins, Dead fullz, WU transfer, Money Gram, Credit Transfer, Credit Wipe etc. Email us terminushack007@gmail.com

    • miguel carlo

      Thanks to you for being my savior.

    • Amin arman

      Thumbs up man, i almost doubted. good job

    • mcmahan katrien

      meet the best when it comes to hack job, just recovered a lost password.

    • Huges Aaron

      Are you looking for a professional hacker……Do you want to get your
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  • Blake Nelson

    If you believe any of these posts about hackers fixing your credit in minutes good luck. I bet they will help you get rid of your wife too, pretty easy when she leaves you for going to prison. Ethical Hacker is like saying gentleman rapist..lol.. There are legal ways via federal laws(FCRA) to remove negative items from your credit report. If you know what to look for and then how to dispute them its not that difficult. Removing negative items helps but building the proper and right accounts will increase your score more than removing some old medical collection accounts. If you want help check out Credit Absolute.

  • Garry Nelson

    I will only recommend the best here. I can assure you the God’s eye is the best and really good in increasing of credit score and deleting of negatives collections on your report. He help me get mine done in the space 72 hours and my score is 815 now and i can proudly say he added 215 points. https://uploads.disquscdn.com/images/0deca44ff44d31c7cc5c7b2bd5b13e4f9bc19b5185ebe4c27abe0189bdd21882.jpg

    • Rita Mask

      Thanks for sharing Garry, He’s the best out there

  • Williams

    My credit score was 422 and I couldn’t get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future.. my score suddenly shot up 798, using a secret technician and Guru named Gary McKinnon..He truly is honest about what I want and what is expected of me to do..He told me it would take just 3 days and he kept to his word..Now I can apply for just about anything that I want,I can’t thank him enough..Get intouch with him today and make a bright future tomorrow..(garymckinnoncyberservice@gmail.com)

  • Corner Andria

    Hello review, are you having credit issues? I will advise you all to get to Cyberguru@inbox.ru . He’s an expert in increasing and repairing of credit scores and negative collections. He helped me increase my credit score from 645 to 815 and i am so grateful to him, i can prove to you that he’s a legit good hacker because he did came through and he helped me with the little i have. He’s services is affordable, fast and reliable. contact him at Cyberguru@inbox.ru . Don’t get ripped anymore by the fake hackers. Get to him so you can get your problems solved.

  • Matt Rivers

    I don’t know about others here but, If it’s about getting hack jobs done, there’s only one hacker i can vouch for, the same hacker that changed my life. Globalview(.)hacker(@)gmail(.)com. He’s truly exceptional and reliable. My wife cheated on me because my life was miserable, i lost my job, had no money or source of income, a very low credit score, several debts i knew i couldn’t pay up in years to come. I knew i had to do something out of the ordinary. Long story short after searching and searching i discovered global view. He was being appreciated by different people in a forum where they shared their stories and experiences with him. I contacted him for two reasons, fix my financial life and spy on my wife so i can catch her cheating and divorce her without we splitting anything into half or she leaving with the kids. Any ways he solved all those for me, including raising my credit score to a golden score, clearing all my credit card debts, hacking my wife’s phone so i could see all her activities on the phone and as much as i believed i was going to solve this by any means necessary, i was surprised that all my problems could be solved that easy. He ofcourse charged me for the services but it was really affordable.
    Sometimes i think i’m dreaming.

  • sandra

    Had some really serious cyber issues,been in search of a really good ethical hacker,ran into some bad dudes claiming to be hackers as well but my strong will to resolve my issues finally paid off when i came in contact with this hacking guru Joe bradley,his professionalism,workrate and discretion is really top class.hit him up at joe.bradley87@cyber-wizard.com.Dude‘s kinda picky though so make mention of the reference that sandra referred you.i bet you’d come back to me with a big thank you.

  • jesoke

    I’m yet to believe how it is possible But it feels so good.There is a qualified and ethical hacker ( terabytetechnservices @ gmail . com,,,
    ),who can help to improve your credit score…he helped with my. Contact him and thank me later.

  • Matt Rivers

    I don’t know about others here but, If it’s about getting hack jobs done, there’s only one hacker i can vouch for, the same hacker that saved my life. Globalview(.)hacker(@)gmail(.)com. He’s truly exceptional and reliable. My wife cheated on me because my life was miserable, i lost my job, had little money or source of income, a very low credit score, several debts i knew i couldn’t pay up in years to come. I knew i had to do something out of the ordinary. Long story short after searching and searching i discovered global view. He was being appreciated by different people in a forum where they shared their stories and experiences with him. I contacted him for two reasons, fix my financial life and spy on my wife so i can catch her cheating and divorce her without we splitting anything into half or she leaving with the kids. Anyways he solved all those for me, including raising my credit score to a golden score, clearing all my credit card debts, hacking my wife’s phone so i could see all her activities on the phone and as much as i believed i was going to solve this by any means necessary, i was surprised that all my problems could be solved that easy. He ofcourse charged me for the services but it was really affordable.
    Sometimes i think i’m dreaming.

  • Troxell loop

    Hello review, well i will recommend anyone to try Alvinburkecyberservice@bk.ru.. for any kind of hack job you deserve.

  • Michelle Hutt

    PRIVATE INVESTIGATOR saved my life, I was in a custody battle situation with my three year old daughter and my alcoholic ex-husband. He continues to defy safety restrictions and court orders, and I never able to catch him in the act. I was referred to privateinvestigator1967 (@gmail.com). He totally understand my situation and guided me every step of the way to put a tracker on my ex-husband phone where I could track him from his phone, knew exaxtly what he was up to directly from my phone. Tell him from amy, he can hack just about anything

  • johnson cory

    I don’t usually buy into this idea but this is so real , if you truly need to repair your bad credit contact supremetechnologies007 AT GMAIL DOT COM,he helped me fix my perfectly and also removed all unwanted collections and debt from my credit , he is a certified system programmer don’t miss the good opportunity, he also helped me to increase my credit card limit….

  • johnson cory
  • Andros Townsend

    Hi,Are you looking for a Private Investigator/hacker? Then Yuri’s Private Investigator, Inc is the man for you…He’s an affordable Private Investigator..He’s been a detective agency and privateinvestigator/hacker for over 12 years. He offers affordable rates, fast service and are highly confidential,discrete and professional..Here’s his confidential email “privateinvestigator1967 (@gmail.com)..Get in touch with him and have him meet your hack needs..Tell him Andros referred you

  • Benard Uno

    I always wondered how I could boost my score after constantly getting ripped off by lenders,credit card companies and banks due to my poor credit.But Private Investigator came through and I can’t thank this dude enough..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 72 hours, yes I just said that!!! Hit him up privateinvestigator1967 [@] gmail [dot] com

  • Thomas

    Very knowledgeable and professional. make it so easy and convenient to fix your poor credit. Now I can apply for any loan I wanted. Thanks to this Credits Repair Services (cred.rep14@gmail.com)

  • angela martial

    specialhacker4u (at) (gmaail) (dot) (COM) and he will help you get all your debt with traces and they hack into any device of your choice

    • bobby reed

      great guy …..very professional and trustworthy hacker…conatc specialhacker4u too

    • emily wando

      specialhacker4u is the only trustworthy hacker i know and i’m recommending them to people who need help

    • wander robinson

      you derserve my recommendations because you did exactly what i paid you for ….thank you

    • tristin coltrane

      i call them hacking lord because they did a good job for me

  • Matt Rivers

    I don’t know about others here but, If it’s about getting hack jobs done, there’s only one hacker i can vouch for, the same hacker that changed my life. Globalview(.)hacker(@)gmail(.)com. He’s truly exceptional and reliable. My wife cheated on me because my life was miserable, i lost my job, had little money or source of income, a very low credit score, several debts i knew i couldn’t pay up in years to come. I knew i had to do something out of the ordinary. Long story short after searching and searching i discovered global view. He was being appreciated by different people in a forum where they shared their stories and experiences with him. I contacted him for two reasons, fix my financial life and spy on my wife so i can catch her cheating and divorce her without we splitting anything into half or she leaving with the kids. Any ways he solved all those for me, including raising my credit score to a golden score, clearing all my credit card debts, hacking my wife’s phone so i could see all her activities on the phone and as much as i believed i was going to solve this by any means necessary, i was surprised that all my problems could be solved that easy. He ofcourse charged me for the services but it was really affordable.
    Sometimes i think i’m dreaming.

  • Derek

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

  • Peter Hynes

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

  • Chris Hendricks

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

  • Irina Crawford

    I’ll like to share my story too. Just a few weeks ago i was homeless, i was jilted by my online lover. and he had robbed me of everything i had. By the time i realized i was being played, my credit score was already 458 , i had an eviction on my report and a large debt on my credit. I was on my way to the little corner behind the store where i normally sleep when i saw a fellow homeless person who i met some days ago and he was looking so changed and successful. I immediately began to beg him to tell me how he made it so fast and because i had told him my story when we previously met, he understood my problem and gave me the contact of the hacker that helped him. i contacted the hacker and he fixed my credit, increased my credit score and cleared all negative listings on my credit in less than 3days. I would have kept quiet about this, but i won’t be able to forgive myself for not helping people who are in terrible conditions like i was then. globalview’dot’hacker’at’gmail’dot’com is the hacker’s email address. I wish you goodluck.

  • Davis Walker

    After several attemps to fix my credit score and falling into the hands of rippers and fake hackers, someone recommended this guy and my encounter with him ( creditsprorepair@gmail.com ) just made a dream come true. He can help hack into any firewall, clear criminal records, help boost credit scores, hack into any account, viber, text messages, whatsapp, iCloud. He can also help you check and catch your cheating spouse, track location, among many others. just contact him on ( creditsprorepair@gmail.com ) he is 100%… Tell him I referred you, just like the way I was referred before I doubtably contacted him.Try him out, he wastes no time on jobs..

  • Sally Hecker

    As a siingle mom, you have to be ready to run the extra miles for your kids. I promised global view i was going to post a review about him if he could increase my credit score and hack my business competitor’s website. So i guess now i have no choice but to post a review. Global view is indeed an excellent hacker, my credit score has been increased to a golden score and my business competitor’s website is now in my control. Thank You So much global view. His address is globalview’dot’hacker’at’gmail’dot’com

  • Tina Jason

    I was very sad when all my credit cards are maxed out and my credit score was so low so i was unable to get approved for credit cards as well. I never believe credit score can be increased nor debts on credit cards can be cleared without traces. He helped me delete all the negatives items on my report and helped me increase my credit score to 830 excellent within 72 hours. https://uploads.disquscdn.com/images/677d32a372355c0e8c230c820b097079ac604a18e141f57c2e34868481441abb.jpg

  • Sally Hecker

    As a siingle mom, you have to be ready to run the extra miles for your kids. I promised global view i was going to post a review about him if he could increase my credit score and hack my competitor’s website. So i guess now i have no choice but to post a review. Global view is indeed an excellent hacker, my credit score has been increased to a golden score and my business competitor’s website is now in my control. Thank You So much global view. His address is globalview’dot’hacker’at’gmail’dot’com

  • Sally Hecker

    As a single mom, you have to be ready to run the extra miles for your kids. I promised global view i was going to post a review about him if he could increase my credit score and hack my business competitor’s website. So i guess now i have no choice but to post a review. Global view is indeed an excellent hacker, my credit score has been increased to a golden score and my business competitor’s website is now in my control. Thank You So much globalview. His address is globalview’dot’hacker’at’gmail’dot’com

  • Andrew Jones

    https://uploads.disquscdn.com/images/69dc4dd666d9d1ddfccb9392420288a2ccfc31c81b65de074dca8561476ff76a.jpg

    Have you ever wanted to Hack school grades, boost your credit score,clear criminal records
    Retrieval of lost documents,Hack facebook and all social media.
    Why not give him a try and see the outcome of the job … for a swift and legit job. For reliable and guaranteed results… His address is Alvinburkecyberservice@bk.ru

  • Lisa Donovan

    There are easy ways to fixing your credit scores: Keep your credit card balances low. You don’t need to carry a balance to build a good score… Once you do that, you’re on a slippery slope to debt. Also pay your bills on time and in full; this is an important factor in getting your scores up…..However fixing your credit scores can be nerve-wrecking. I was once in a bit of a financial dilemma and had trouble fixing my credit so i enlisted the help of a repair team (CYBERGENIUS@LIST.RU) who helped remove the bad debt lingering on my report for years and upgraded my scores to 750 in 4Days without hassles. I have several businesses and a good life as a result of this transformation. He’s a life saver and i proudly recommend him to you all. Contact him on the email address above and be assured of a permanent solution to your problems.

  • Lisa Donovan

    There are easy ways to fixing your credit scores: Keep your credit card balances low. You don’t need to carry a balance to build a good score… Once you do that, you’re on a slippery slope to debt. Also pay your bills on time and in full; this is an important factor in getting your scores up…..However fixing your credit scores can be nerve-wrecking. I was once in a bit of a financial dilemma and had trouble fixing my credit so i enlisted the help of a repair team (CYBERGENIUS@LIST.RU) who helped remove the bad debt lingering on my report for years and upgraded my scores to 750 in 4Days without hassles. I have several businesses and a good life as a result of this transformation. He’s a life saver and i proudly recommend him to you all. Contact him on the email address above and be assured of a permanent resolve to your problems.

  • Danielle Whittleton

    Despite numerous conversations and documented proof..a collector added a negative account to my credit reports. It was due to a medical claim for my son that had been submitted 7 months past the alloted time frame therefore the insurance denied the claim and they provider could not bill me either due to their error. Despite showing proof and the agency telling me the account was closed…they added them to my credit reports. 3 weeks later they are now claiming yet again that the account has been closed.I lost all hope because I thought I would be stuck with it for the next 7 years but keinetcybertechnologies@gmail.com came through and helped remove the negative account from my credit report.I just went through this comment section and I noticed I am not the only one here keinetcybertechnologies@gmail.com has helped.

  • Steve

    After having multiple bad experiences with credit repair companies and figuring out the credit score they told me they boosted was actually false and the negatives on my report wasn’t cleaned I tried this Guru Private Investigator (Gary McKinnon)..I have read a lot of recommendations about him which at first made me doubt his legitimacy but when I contacted him and told him exactly what I want him to do he got it done surprisingly in 3days..I am also recommending him to ya’ll..”(garymckinnoncyberservice@gmail.com)”.He also clean driving records and fix DOT REPORT

  • donald benson

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

  • Donald

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

  • Lara Johnson

    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 Jamie through a reference online (May God bless him). His work experience, professionalism, and discretion is top-notch. He increased my score from a low 430 to 785 and cleaned up all the negative items on my report, replacing them with mortgage trade line, auto trade line, installment tradeline 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 email; creditrepairman[at] hackermail[dot]com or phone; +1 352 608-2328.Be guaranteed that your credit issues will be sorted out and good luck.

  • Gregory Berger

    i think i should just share my story about how i got my credit score increased and eviction removed from my rental history and save everyone the stress of dealing with any credit issue. I was diagnosed of lung cancer in late 2016 i had to begin chemo immediately, so i ended up spending everything i had, even sold my stuffs hence couldn’t pay my rent which was due by 09 January 2017. I was later evicted on the 14th of May 2017 and now had an eviction on my rental history. This troubled me deeply, i already had a low credit score. So i started thinking and came up with the idea to find a hacker to help me wipe the eviction from my record and increase my credit score. Long story short, one way or the other, after months of searchinig i was introduced to this hacker, open-minded and willing to help. He increased my credit score and cleared the eviction from my rental history, all in less than 3 days. I’ll simply advise you to contact him to fix your credit (globalview’dot’hacker’at’gmaildot”com ). No one deserves to go through what i went through.

  • Mary Abraham

    Thanks to who ever has referred creditscoresrepairagency@gmail.com on
    this blog, i already contacted them, and they helped me fix my bad
    credit scores and also remove the medical bills and late payments,then
    increased my scores to 780, so get to the Email above for any credit
    repair service, they are really good as people has said about them

  • Jon Vesely

    i’m sorry but anybody that claims to “hack” his way to paradise is a scam. Any real hacker would not advertise his skills and contact info just to do a credit repair. If you are dealing with a skillful programmer be vary wary as they only need the minimal amount of info to hack you. Credit info is a haven for any real hackers. Would a hacker fix your credit for free or use your given sensitive info to steal your money. Be smart. THIS IS A PHISHING SCAM

  • Thorpe Sandra

    Hello Guys, For the past year, I have been battling with my low credit score until i met this hackerr guru through a friend of mine. He helped increase my credit score to 780 within 2 weeks which made me really surprised and full of life again. Though I doubted him at first because of my previous experiences where I was ripped off by imposters online but he eventually came through for me without charging outrageous fees. He increased my score and also fixed the negatives on my report which now got me loans and a mortgage to get a new house. He is reliable, discreet and trust worthy. Contact him via email on (CYBERGURU@INBOX.RU) . All the best!

  • Thorpe Sandra

    Hi viewers. There are easy ways to fixing your credit scores: Keep your credit card balances low. You don’t need to carry a balance to build a good score… Once you do that, you’re on a slippery slope to debt. Also pay your bills on time and in full; this is an important factor in getting your scores up…..However fixing your credit scores can be nerve-wrecking. I was once in a bit of trouble fixing my credit so i enlisted the help of a repair team called cyberguru who helped fixed my report and upgraded my scores in record time without hassles. Contact him now via email on..CYBERGURU@INBOX.RU !

  • Andy Philips

    Avoid late payments of your bills, loans and mortgage as this can offset your score. Lower your credit utilization as this betters your score significantly. Increase your credit card limit which can be easily set up by yourself online. Also, If you know someone who’s got great credit( a parent, sibling or spouse), asking them to add you on to one of their credit cards as an authorized user is a speedy shortcut to a better score. However these processes i shortlisted might take a while to yield dividends. When my credit was in a mess, I employed the services of a repair team called cyberguru who succeeded in erasing my negatives permanently and boosting my score to my desired figure. Right now i can comfortably acquire loans and mortgages without delay. Contact him now via CYBERGURU@INBOX.RU

  • Danyelle J Horne

    You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he doesn’t there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home – that will be more beneficial for you in the long haul. contact COMPUTERSPYEXPERTS at GMAIL dot COM.

  • Sarah

    If you need to hack into any Figo score or you want to delete, improve credit score or deletion of bad credit report, spy into WhatsApp,email,Facebook and more kindly contact darkwebcyberservice@ gmail. com you won’t be disappointed by him because I myself already made him my permanent hacker

  • rockefeller@programmer.net

    I’m a Certified Hacking and Security (CHS) Expert, that needs no more explanation. Kindly reach me on email above if you need urgent help in boosting your credit score and on any other kind of hacking and I’ll send you an estimate within few hours as well as info on manner of working.
    I also use my skill sets to help binary options scam victims recover their stolen funds.
    “In vain you have acquired knowledge if you have not imparted it to others”
    Rabbah