This page is for Australians who currently have a bad credit file and need a home loan.

What is considered to be ‘bad credit’?

Have you missed a payment on a bill, credit card, your mortgage or any other type of debt in the past?

Chances are it’s on your credit file, a record of your credit history maintained by credit reporting agencies like Equifax (formerly Veda Advantage).

Such listings are considered as black marks by credit providers like banks and they can stop you from qualifying for a home loan:

  • Mortgage arrears: Missed payments on your home loan. The more the number of missed payments you have had in the last six months then the more wary lenders will be. Generally, banks will not refinance your loan if you have missed just one repayment!
  • Bad credit history: Adverse listings such as defaults, bankruptcy, judgments, court writs or too many credit enquiries on your Equifax credit file can make your application doubtful.
  • Lender credit history: Your past credit history with the lender you are applying for. Lenders have a very long-term memory for the customers that they have had problems with in the past.
  • Unpaid bills or tax: Outstanding bills such as council rates or tax bills are a type of bad credit history that may not initially show up on your credit file but may be visible on the supporting documents you need to provide.
  • Company in financial trouble: If you’re the director of a company that is in financial trouble, receivership or liquidation then this can affect your personal credit history.
  • Over committed: If you have too many debts for your income or your total assets are less than your total liabilities then the major banks may assess you as being insolvent or beyond help.

How to get approved with bad credit

Major banks and lenders will likely decline your application but there are non-conforming or specialist lenders that are more flexible with their lending policies.

They will assess your home loan application on a case by case basis and listen to your story as to what went wrong and why getting a home loan will put you in a better financial position.

This is particularly true of borrowers looking to consolidate existing debt.

Specialist lenders can often rapidly approve bad credit home loans to meet deadlines from the creditors.

What information is on my credit file?

Your name, date of birth, current address, previous address, drivers licence number, employer and previous employer are information stored on your credit file.

All the loans that you have applied for in the last 5 years are a part of your credit file and they come up as “Enquiries”.

Other aspects such as court judgments, court writs and bankruptcy history are saved on your credit file, to find out more read our credit file page.

Who gets into bad credit?

Many Australians who fall into bad credit aren’t actually irresponsible or “bad people”.

Most of them have simply been involved in an unfortunate life event like divorce, loss of job, injury or business failure that has resulted in blemishes on their credit file.

People that fall into bad credit aren’t necessarily living in outer fringe suburbs either.

It’s well-known among economists that affluent suburbs are actually the most susceptible to financial stress when interest rates rise.

That’s because their mortgages tend to be much larger and they’re more highly-leveraged. That means their Loan to Value Ratios (LVRs) are higher.

Add to that the fact that wages haven’t really matched the growth in house prices and it’s easy to see how anyone can become “overexposed” and fall into a bad credit situation.

The worst part is that if you’ve missed just a couple of debt payments but have since been managing your financials positively, these listings still show up on your credit file sometimes years after you made the mistake.

The Comprehensive Credit Reporting (CCR) regime announced in 2014 can potentially help you mitigate the negative aspects of your credit file.

However, it can also mean that if you have a clear credit history but a poor repayment history you could be knocked back for a home loan.

Information like your repayment history isn’t being provided by all Australian lenders as yet but it will be something to look out for soon.

What are common financial stress indicators?

Before officially getting a black mark recorded on your credit file, there can be a definite lead up of events that can eventually result in defaults or worse.

The Household Expenditure Survey from the Australian Bureau of Statistics (ABS) found that the most common financial stress experiences included:

  • Being unable to raise $2000 in a week for something important.
  • Spending more money than received.
  • Being unable to pay utility bills like gas, electricity or telephone on time.
  • Being unable to pay registration or insurance on time.
  • Pawning or sold something to make ends meet.
  • Going without meals.
  • Seeking assistance from welfare/community organisations.
  • Seeking financial help from friends or family.

These financial stress indicators were most common with younger households, with 70% of respondents declaring that they had experienced at least one of the above scenarios in a 12-month period.

If you’re experiencing financial stress, you can always seek free financial counselling from the National Debt Helpline by calling 1800 007 007.

It’s essential that you get your financials in check first before committing to a home loan.

Why do banks knock people back for a mortgage?

Australians with bad credit can be declined for a home loan by major banks or lenders for a number of reasons.

It could be because of the type of bad credit you have or the size of your defaults but, generally speaking, simply having blemishes on your credit file can stop you from borrowing.

The reason is that it shows to the bank that you may be unreliable as a mortgage owner.

However, there are lenders that specialise in bad credit home loans and take a more common sense approach when assessing your situation.


What are bad credit home loans?

In Australia, bad credit mortgages are types of mortgages offered by non-conforming or specialist lenders.

Bad credit home loans consider all situations, especially the ones where borrowers have black marks on their credit file.

They are designed to separate and help the ‘outside of the box’ applications that don’t meet the bank’s guidelines.

Types of bad credit home loans

These types of bad credit home loans are offered to borrowers who have defaults on their credit file. In Australia there are generally two types of defaults lenders will look at:

  • Paid defaults: Defaults that you’ve paid in full.
  • Unpaid defaults: Defaults that you haven’t paid in full.

A default is a record on your credit file that shows that you have an overdue account such as a personal loan, credit card bill, utility bill or phone bill.

It’s classed as being overdue if the payment is 60 days late or if the lender has been unable to contact you.

Having a default on your credit file will likely get you declined with most major banks as this is a sign of your inability to pay your debts.

For more information about this type of bad credit home loan, please see our home loan with defaults page or complete our free assessment form.


Discharged bankrupt home loan

These types of bad credit home loans are offered to borrowers who were bankrupt and are now discharged. There are lenders in Australia that will lend you money to buy a property the day after you become discharged bankrupt!

The term ‘discharged’ is purely an automatic process of the law which releases the bankrupt person from bankruptcy.

Once you are discharged, you are no longer bankrupt and no longer required to have limited assets and no overseas travel.

It also means that you’re able to apply for credit again.

For more information about this type of bad credit home loan, please see our page or complete our free assessment form.


Part 9 debt agreement

These types of bad credit home loans are offered to borrowers who entered a Part IX Agreement and have completed the agreement. In Australia, if you can’t pay your debts, you have the option of seeing a debt agreement administrator who can help you prepare a debt agreement between you and your creditors or lenders.

Once the debt agreement is fulfilled, you’ll be discharged from the agreement.

A Part 9 will remain on your credit file for up to seven years.

There are lenders who will consider your mortgage application if you have a completed Part IX Agreements on a credit file.

For more information about this type of bad credit home loan, please see our page or complete our free assessment form.


Tax debt home loan

These types of bad credit home loans are offered to borrowers who have a large debt with the Australian Taxation Office (ATO). Generally, the ATO debt is added to the mortgage, leaving the borrower clear from any ATO debt.

ATO debt is actually very common.

It can be easy to make a mistake on your tax return and this can come back to bite you years later.

For more information about this type of bad credit home loan, please see our tax debt mortgage page or complete our free assessment form.


Debt consolidation home loan

These types of bad credit home loans are offered to borrowers who have a number of small debts that have become unmanageable.

In Australia, most people choose to roll multiple forms of unsecured debt into their mortgage, creating one simple monthly repayment.

For more information about this type of bad credit home loan, please see our page or complete our free assessment form.


Why should I get a bad credit home loan?

The idea of bad credit home loans is to be a short to medium-term fix, not a long term solution such as a second mortgage.

Did you know that it’s often much cheaper to pay a higher interest rate for a few years than it is to sell your home and then buy a new one later on?

It usually costs more than 8% of the property value to sell your home!

We always set up bad credit home loans with the intent of refinancing back to a prime lender in around 2 to 3 years’ time when your credit history is clear again. Why?

The idea is to help you make a fresh start and it allows you to keep your home.

You can even have a 25 or 30-year loan term so you’re not forced to refinance within a particular timeframe.

This stops people being caught out if their personal situation changes.

In the meantime, it gives you breathing room to repay your bad debts and clean up your credit file.

Once you have a proven track record of repayments on your mortgage with no arrears you can refinance to a better interest rate.

Getting approved for bad credit home loans

You may qualify for a bad credit home loan if you have the following on your credit file:

  • Small paid default: If you have a small default for less than $500 and it has been paid more than six months ago, we can help you borrow up to 90% or up to 95% LVR (of the property value) in strong cases.
  • More than one small paid default: If you have less than $1,000 in paid defaults from financial institutions (e.g. banks), and less than $500 in paid defaults from non-financial institutions (e.g. phone companies), then you can borrow up to 85% or possibly 90% of the property value.
  • Moderate paid defaults: If you have up to $3,000 in paid defaults, we’re able to help you borrow up to 80% of the property value with a prime lender, up to 90% of the property value with a specialist lender or up to 100% of the property value if you have a security guarantee from your parents.
  • Large paid defaults: Larger paid defaults from $3,000 to $500,000 can be considered on a case by case basis if you have a very good explanation backed by strong evidence. We can lend up to 90% of the property value with a specialist lender.
  • Unpaid defaults: If you have any unpaid defaults then you can only borrow up to 90% of the property value with a non-conforming lender. Many lenders require you to pay the defaults before the loan is approved.
  • Judgments or court writs: If you have any judgments or court writs then you can borrow up to 90% of the property value with a non-conforming lender.
  • Part IX agreement: Please refer to our Part IX agreement page for more information.
  • Bankruptcy: Please refer to our bankruptcy mortgages page for more information.

If you have any questions, feel free to call us on 1300 889 743 complete our free online assessment form or leave a question in the comments section below.


How does it work?

You may be wondering: why would anyone help me?

Firstly, specialist lenders recognise that Australians with bad credit are looking for a second chance at a happy life, whether it’s buying their own family home or consolidating debt to reduce their financial burden.

Borrowers who are approved for bad credit home loans rarely default on their mortgages again.

In fact, their default rates tend to be lower than “clean” borrowers!

Non-conforming lenders recognise this and so do we.

We also have a mission to give every Australian a fair go at owning their own home.

How do non-conforming lenders work?

Non-conforming lenders are far more flexible than the major banks.

The interest rates that are offered on bad credit home loans reflect the risk to the lender.

Therefore, the higher the risk of your loan, the higher the rate of interest the lender will charge you.

They assess applications for bad credit home loans on a case by case basis and will listen to your story as to what went wrong and why you need debt relief.

  • Generally speaking, if you’re borrowing under 80% of the property value, then you can get a cheaper interest rate
  • For those of you who are looking to borrow over 80%, or if you’ve had severely impaired credit history, then the rate can be higher.

Who are the non-conforming lenders?

We have access to many non-conforming lenders that can help borrowers get approval for a home loan despite black marks on their credit file.

We hold an Australian Credit Licence (ACL) as required under the National Consumer Credit Protection Act, allowing us to work with non-conforming lenders.

The non-conforming lenders that we deal with include:


What do I have to do?

If you have a black marks on your credit file, there are a few things you can do to qualify for a home loan, even with a major bank or lender.

Above all, speaking with a specialist mortgage broker is the key to building a strong case to show that the debt problems you’ve had in the past are just that: in the past.

A credit expert understands exactly what the banks want to see when assessing a borrowers’ ability to pay back bad credit home loans.

Avoid getting more negative listings

Are you currently experiencing financial hardship?

You can’t change the past but what you can do is prevent further bad credit listings.

This will put you in a better position with specialist lenders that offer bad credit home loans.

Ultimately, they want to see that you’re making, or you’ve made, a good effort to fix your past financial problems and you’re in a better position.

You can demonstrate this by:

  • Making your repayments on time.
  • Keeping in contact with lenders to avoid a “clearout” being listed.
  • Paying something, not nothing, on your debts.
  • Pay off your existing defaults.

Find out more tips on the My Credit File page or seek out financial counselling if you’re currently experiencing hardship.

Wait for listings to clear

If you’ve missed payments or you’ve defaulted in the past, you may want to wait for your credit to clear before applying.

Bear in mind, this may not always be in your best interests!

Buying a home sooner rather than waiting can potentially put you in a better position in the long run when you factor in property equity.

Other times, bad credit home loans may be the only option available to you depending on the damage to your credit file.

However, if for instance, you’ve had a default, court writ or enquiry listed on your profile for the past 5 years, and you’re less than 1 month away from it being cleared, our brokers may advise you to come back when the listing has cleared.

We can’t provide you with financial advice so you may want to seek out credit repair services such as Credit Repair Australia.

In this way, with all other aspects of your situation being strong, you can qualify with a major lender at a much sharper rate.


Confused? Speak to us!

We have a team of dedicated bad credit mortgage brokers with many years of experience.

Many of our senior brokers have worked in the credit departments of major banks so they know exactly how to build a strong case for bad credit home loans.

Call us on 1300 889 743 or complete our free online assessment form and find out how we can help you get approved for a bad credit mortgage.

  • Elisia

    I’ve a small default of $200 with my network carrier a couple of years ago, which I didn’t know of until they sent me a bill. I’ve paid off that debt so how long will it stay in my record and will it dampens my chances of obtaining a home loan?

  • Hi Elisia, a default affects your credit score in a negative way. Usually it will stay in your credit file for five years from when it was initially lodged. Lenders take this seriously as they feel that any kind of credit issues in the past has the possibility of being repeated. In that case they do not want to face a loss by approving a home loan. It is still possible to get a home loan by going with the right lender, as not all lenders will accept a default.

  • Peggy

    Hi i got a copy of my credit history and didnt know i have a default of $450 on my file .
    I need to pay it .
    But whats the chances of getting a home loan .

  • Hi Peggy,

    It depends on the type of default, the company it was from, how long ago it was listed and why it was listed.

    We can still get you a home loan with a default. In fact in some cases if you have a good deposit and other evidence to show that you are good with your money e.g. a perfect rental history, then we can use our relationship to get you a loan with a bank at a sharp rate. It’s very much a case by case basis.

    Please call us on 1300 889 743 and one of our brokers can complete a full assessment of your situation.

  • Peggy

    Ok i give you a call.after work.about 230pm

    Regards
    Peggy

    Sent from my Samsung Galaxy smartphone.

    ——– Original message ——–

  • Seazonn Rea

    Hi There, I have a report of my credit file from veda , I was declined by a major bank as i didnt not meet there level, however reading the veda report i only have enquires , i have not defaulted in any way or missed home loans payments.. Will i still be able to get a home loan i have a 50k deposit has i have now sold my house, thanks

  • Hi Seazonn,

    Yes this is really common, especially when the deposit is a gift, if you are buying on your own, if you have some credit card debt, if you were late on your old home loan sometimes or if you are currently living rent free with your parents. This is called credit scoring and it’s the bank’s computer assessing your full situation not just your Veda Report / Veda Score. https://www.homeloanexperts.com.au/credit-score-home-loan/

    The good news is that some banks don’t use credit scoring and instead assess your application on its merits. You can borrow up to 90% and in some cases 95% without credit scoring. Please contact us and we’ll complete an assessment and work out which lenders you qualify with https://www.homeloanexperts.com.au/free-quote/

  • NOD

    I need around $300,000 to buy a house off of my ex which we jointly owned a year ago. I want 90% LVR but I can go 80% if I have to. I have a judgment though, which is unpaid and four years old. Can I still borrow?

  • Hello NOD,

    We’ll need to know more about the circumstances of the judgement as well as yuor personal financial situation. Lenders are wary when it comes to unpaid judgments so if your situation isn’t within their policy, we can still help you apply with a specialist lender and then refinance to a prime lender as soon as you can qualify. Please call 1300 889 743 to speak with ur bad credit specialists or enquire online:
    https://www.homeloanexperts.com.au/free-quote/

  • diego

    When can we qualify to refinance back to a bank?

  • You are eligible to refinance out of a non-conforming loan once you meet standard bank criteria, so generally you must owe 80% LVR or less (although up to 90% may be considered), all of your defaults are paid and are no longer showing on your credit file, you have full income evidence (low doc loans may be available in some cases) and you have made all of your repayments on time in the last 6 months.

  • Jaymee-lee John

    We are first home buyers and we have a bad credit file even though we have made all our payments on time (we loaned trough pay day companies). We don’t really have any savings but are you able to help us at all? Would it be easier with a guarantor?

  • Yes, we can help you. A guarantor would make the loan less risky to the bank so it will definitely help. Please call 1300 889 743 to discuss your situation and loan needs with one of our experts to find out how we can help.

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  • Robyn McAlonan

    I am 60 years old , and I am a discharged bankrupt, I paid out the debt, I want to loan $150000, for a small unit, I have $30000 as a deposit, unit is $179000. I would like a loan over 20 years. Is this possible.?

  • Hi Robyn,
    You’d need to show the lender how you’d be able to pay the loan off in that time. In particular how you’ll be able to work until you’re 80 years old. I’ll email you some info that might help.

  • Liza

    My bank told me that the house I want to buy is on a category 3 location. That coupled with a $5,000 default of 2 years ago meant I couldn’t get approved. Do I need to buy at a better location or wait till my credit is clean?

  • Actually, you may still be able to get a home loan but you may need to go with a specialist or non-bank lender. They are generally more flexible to complicated situations or concerning people with more than one potential credit issue. We know a few lenders that are flexible with postcodes and others that are okay with up to two paid defaults. Please call our office if you’d like to discuss this with an expert mortgage broker.

  • JANELLE BENJAMIN

    I have a vacant block with 4 people on the title x2 couples. Will any lenders look at splitting the loan with stand alone loans for each couple and not have liability on each others loans? We dont want all 4 on the title or to guarantee each others loans. ( only two splits needed) . All of us have excellent credit history by the way with a 20% deposit…

  • A few lenders may be able to help with this, however, it will also depend on the other aspects of the application. So please call 1300 889 743 to discuss your personal situation and loan requirements in detail with an expert mortgage broker. Or you can even simply compete our free online assessment form and one of us will contact you instead:
    https://www.homeloanexperts.com.au/free-quote/

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  • Robert

    Hi I have bad credit with around $15,000 unpaid. How do i make contact with the lenders so I can make amends with the lenders?
    I’m wanting to save $50,000 within 12 months to borrow $250,000 one I have paid my defaults, Is this at all possible?

  • Hi Robert,
    Credit repair is the best way to go in your situation. In many cases if you haven’t paid the debt then it’s easy for them to negotiate removal of the default in return for payment of all or part of the debt. This then puts you in a good position to get a home loan. Note that some lenders can assist if you have a default although you’d pay a higher rate.

  • Leonel

    Is there any minimum time that I should wait before applying for a home loan if I get my credit repaired?

  • Hi Leonel,
    There is no minimum time after you repair your credit and becoming ready to apply for a home loan. Please note that you will be removing only unfair, disputable and contestable information from your credit file. However, if you have legitimate black marks that you’ve accrued on your file, such as defaults or a number of credit enquiries, then this will still affect your ability to get approved, no matter if you got credit repair or not. In cases like this, a specialist lender may be able to help you.
    Once you get these black marks removed from your credit file then your credit score will improve which would make it easier for you to apply for a home loan and to get it approved.
    You can check out the credit repair page for more info. https://www.homeloanexperts.com.au/bad-credit-home-loans/credit-repair/

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  • Daná Harris

    Hi 7 years ago my now ex partner said he couldnt get anything in his name so i put stuff for him in my name as i had a great credit rating i had paid off 2 car loans early. It quickly escalated from there as he was put off work. I ended up having to get the police to put a fvo on him and myself and daughter moved to a womens shelter. He took everything (furniture. Car the lot) and i had to start again with all this debt . Anyways i had to stop working as i became disabled and now on disability pension i have a big monthly chunk of child support coming in and fta and ftb. I have now lived in same housing house for 7 years and have always been in front. Im want to purchase this home. I will still have those unpaid defaults as at the time of split up i couldnt afford to live and pay for them. I am now getting 108k inheritance and wanting to borrow 120k. Is this possible to buy housing house????

  • Hi Dana,
    We’d need to assess your situation in full to be sure. If you can afford the repayments and your situation overall makes sense then it is likely that we can help. In particular we’d want to be sure that your income sources are ongoing and that you will not face any hardship. A brokerage fee would apply if we are successful as your loan is under $300,000 and would be a lot of work for our team.

  • Daná Harris

    Could you help me out further please . This is my ultimate dream

  • Daná Harris

    So if i was to borrow 120k what would my weekly repayments be?

  • Hi Dana,
    Sure I’ll email you and cc one of our mortgage brokers who specialise in this area.

  • Daná Harris

    Do u have my email address?

  • Yes we’ve emailed you earlier today.

  • Linda1

    I am in Part IX debt agreement years ago and it’s about to be cleared. I just have $3,000 to pay it off. Will I be able to borrow normally now after it’s been paid off?

  • Yes Linda1, once you clear off from your debt agreement, you could get a home loan with some of our lenders, who will lend you 80% of the property value. However, with a select one or two lenders, you can apply for a standard mortgage at up to 95% of the property value at standard interest rates.

  • Mantis

    I had a couple of small defaults over a 3 month period recently. However, I since paid off these defaults. They were credit card related. How will the lenders consider my application?

  • Hey Mantis.
    Small defaults over a short period of time indicates usually aren’t recurring events and considered better than having the same default over a few years. Banks consider whether you have cleared your debts or not and the time taken to pay the debts. You are likely to qualify for a home loan despite the defaults on your credit file as long as you can meet your lender’s credit criteria.

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  • PoemsByRanthi

    My partner and I are on the verge of buying a house – but we are comparing home loans and while we have a pre approval with one bank we want to apply to another bank as we feel it’s a better deal. Is it a good idea to apply to two different banks?

  • Hi There,
    It’s best to just apply once and be approved once. However 2 – 3 enquiries for a mortgage can be fine. Whereas 3 – 4 for a credit card or personal loan looks really bad to a lender. Some lenders have a policy about if you have had 5 or more enquiries in the last 12 months then your loan is auto-declined.
    If you like one of our mortgage brokers can give you a 2nd opinion and let you know if we have something more suitable for you or if what you’ve been pre-approved for is already competitive. I’ll email you their details.

  • PoemsByRanthi

    Thank you for your response. We are in touch with a mortgage broker at present and have a pre-approval. We were just comparing rates and wondering if we should approach another bank.

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  • Lisa Randall

    I once had a hacker before i start filing a bankruptcy he said he hack banks so we agree on modification loan and this never went through but my credit says i didn’t. Definitely didn’t go through by the hacker.I decided to go through public forums and i come across different hackers right there.I decided to go for DARKWEB because i read more review about him before I decided to work with him.I emailed him on (DARKWEBCYBERSERVICE@GMAIL.COM) He explained the procedures for the repair/hack and also requested for basic information which I provided quickly and within three working days my report was amazing with beautiful trade lines and 810 score and all debits were deleted.I got a house and a new car and finally relocated to California. Send a descriptive mail to the contact and put a full stop to your credit issues.

  • Thomas

    I was trying to improve my credit report myself, my credit score was 502 then dropped to a 472 disputing two credit cards and I could not 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. A few month ago, was searching around the internet and came across a credit expert linked with the credit bureaus who helped me increase my credit scores now i got 775. He told me it would take a few weeks to get it done approximately a month and kept to his word. Now I can apply for just about anything I can’t thank him enough and i knew i owe him this, get in touch with him today and make a bright future tomorrow. Contact Creditstream@instructor. net

  • Yue Zhang

    Do You Need Urgent Loan with 100% GUARANTEE, Bad Credit is acceptable No social security check up, (ensuiteloanfirm@gmail.com) We offer loan to individual and public sector that are in need of financial Assistance in a low interest rate of 1%. Bad credit acceptable, The Terms and Conditions are very simple and considerate. Our company has recorded a lot of breakthroughs in the provision of first class financial services to clients all over the world especially in the area of Loan syndication and capital provision for individuals and companies. We have a network of Investors that are willing to provide funds in the range of $5000 to Billions of Dollars to individuals and organizations to start business and operations. Ensuite Loan Firm is out to help the less financial privilege get back on track by providing all type of loans to them (E.G) mortgages, home loans business loans and bad credit loans commercial loans, start-up working capital loans, construction loans, car loans, hotel loans, and student loans, personal loans, Debts Consolidation Loans, Contact us via our email and HotLine

    E-mail: ensuiteloanfirm@gmail.com
    Hotline: +12023811907

  • Sharon lee

    Hello! Am here to recommend about this talented hacker that put a smile on my face by increasing my credit score and clear all my debt ,If you want more peace of mind,when you want to fix or increase your score and clear ur debt or bad records up to date,kindly contact: CREDITSPYEXPERT@GMAIL DOT COM

  • CAPITAL CITY

    Top of the day to you,
    My names are Mrs. Angelia A. Everett and i want you to know that, “Capital City Jewelry” approves amount from maximum amount of 75,000,000.00 to a minimum amount of 10,000.00 in USD ($), GBP (£) Or Euro (€). Offering the requested amount is not a problem if you are in agreement with the terms and conditions and as such follow the procedures correctly.

    capitalc885@gmail.com
    Let me know if you require additional information.
    Thank you,

  • anthony raines

    My name is anthony raines, I live in the state of florida. Our apartment got flooded back in November 2012, after I had a slip and fall on the apartment premises. We didn’t have the right rental insurance, there the bill came up to 122000 USD, they asked us to pay but we didn’t have money so I agreed to pay and made a payment plan and they refused and put eviction on my credit. I didn’t realize that eviction was on my credit until last 2 months I was trying to buy a house, and then the realtor told me. My credit score is 501, I don’t qualify for anything. I want American dream, I want to buy a house, I want to buy properties and start a business. I needed help and I found Richard here online, he is a good and kind credit repair hacker. He pulled my score to 800, deleted the eviction and other negative item on my report, and added good Tradelines. I got everything I wanted and even more thanks to him, Email him on
    Richardgreenblattcreditrepair At Gmail dot Com.

  • Sebastian Friedrich

    I’m still so surprised, i can’t believe this, i just got a loan of $40,000 from Mr.jefferson and nothing like upfront fee, is as if i’m dreaming, but no its reality, i’m so happy right now, and not only that i just got engaged on Wednesday, I’m full of happiness now, you can contact him now elijahcapitals@gmail.com

  • Kaylie Simpson

    As a single parent with 3 kids, I wanted a bigger space for my kids to live comfortably as they grow older. I had to work really hard for this cause. My credit score was 705 so I thought I stood a chance of getting a loan for my new home. While seeking for a loan, I realized my report wasn’t in a good shape. I had some negative items preventing me from getting the loan I sought. I resorted to looking for means to clean up this mess so I could possibly get the house I required. I got a recommendation about a certain hacker highly regarded from a friend after a wasteful search online for about 3 WEEKS. I decided to give him a try after all, and contacted him on (hackkingzeus at g m a i l d o t c o m) where he requested for some infos and explained the repair processes & time frame to me without charging outrageous fees. I was optimistic and surprisingly, within 9 days, my report was in a good shape with all the negative items erased and my score increased to 815. I am gradually buying accessories for my new home and my kids are so happy. All thanks to KING ZEUS for coming through. Reach out to him on his contact above to get your credit fixed right now to avoid been scammed by impostors parading online. He’s just the best and a rare gem, feel free to thank me later!

  • Kim Ferrel

    Thanks you for some reason I find this question interesting and i am so happy and lucky to have mine (credit score) upgraded by this amazing CREDITSPYEXPERT, about 6 months ago I was referred to an hacker for a credit repair service and he was more than up to the task, in less than 7 working days he had successfully deleted 3 hard inquiries and raised my score by 480 points to 850, I thought this was temporary and after a few days the changes would disappear and clear all my bad records, he assist keeping my score high, congtact him CREDITSPYEXPERT@GMAIL dot COM or Text (740) 480-1942.

  • Williams Martians

    One of my small accounts had an INSF payment made and I didn’t notice until it was already 30 days past due already i had paid the account in full before, Just that one account that had a 30 days past due added to my credit report devastated my credit score by 70 points and brought my credit score under 600. then i was back at square one from 3 years of rebuilding my credit in a matter of 2 months. At my very worries i talked to my co-worker about my credit issues and how i unexpectedly got a late payment red flag. he felt so sorry for me and he as well understand how i have worked so hard to keep a perfect score. He reviled a secret to me and said many Americans today takes this same step to move forward in life. He said he has a hacker that works for him and many good returns he has brought ever since he divorced his first wife, he said so much about him and how honest and intelligent he is. so i believe he can help me too. He linked me up with him and gave me his email, ever since then my whole story changed i don’t have to work so hard anymore, i got easy asses to loan to set up my car dealing business. He deleted the INSF payment and also uproot other errors attached to it to keep me on a clean sheet. He was able to monitor my credit well and also reviled an excess payment i had once made with realtor Patrick Paul since 2016 in buying my newest house, he explain vividly how to go about requesting back my money from the realtor then i got my money back in a week. This person i am talking of is indeed a great helper to anyone that gets through him. Hes a professional in this field and easy to work with. Don’t take life stressful its way easier elsewhere. Contact his email address correctly NOTABLESPY.ORG@GMAIL.COM. Mailing him is your first step to progress.

  • Martin Dusek

    Hello everyone am Martin Dusek,i Grant a director of E.O.G. L.C, Europe Oil Gas Loan Company and this company is a government association they volunteer to help the less privileged, who can not get a loan in bank, also we loan out to any individual company and many more apply today on Email: martindus25@gmail.com

  • Roy Wilson

    I can’t thank him enough for the great thing he has done in my life. He’s the best i can refer you to because i’ve confirmed he’s doing a great job and he’s the best. I was told to be in 72 hours. He helped me remove that particular bad inquiries on my report and increase my credit score to 829 excellent standard and all this is done with 72 hours. I can’t believe my eyes until i start receiving emails and calls from credit card company, lenders and many more. I am very exited, I am still working with him because he’s currently clearing my credit cards debts and he’s almost through with that. He is the best (Computerhackguru at GMAIL dot COM or (513) 453-6539). yes

  • Steve Proctor

    Started repairing my credit 2 weeks ago, and already my 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 CYBERWIPE@TECHIE.COM Credit Repair. He’s the wizard everyone is talking about all over the internet. Get him on his number (229)329-302

  • Julie Morgan

    I was trying to improve my credit report myself, my credit score was 502 then dropped to a 472 disputing two credit cards and I could not 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. A few month ago, was searching around the internet and came across a credit expert linked with the credit bureaus who helped me increase my credit scores now i got 775. He told me it would take a few weeks to get it done approximately a month and kept to his word. Now I can apply for just about anything I can’t thank him enough and i knew i owe him this, get in touch with him today and make a bright future tomorrow. (CYBERWIPE@TECHIE.COM, +14134897711)

  • Harry Hudson

    Hi. Just leaving a note to let you know that reading your blog gives me hope. I’ve been trying to get approved for a mortgage loan. My credit is not good enough due to past due payments. But I am working on fixing them so that I can qualify for a loan soon. Right now, my source of income is stable since I am employed for more than two years with the same company. Reading your blog gives me hope that someday I can get an approval. Right now, I am working with Intellichoice Finance to work things up. What they told me is all here in this blog that you posted. So I think I am on the right track. Thank you for hearing me out.

  • Hi Harry,
    Glad to hear that you are on right track now. Further, you can read our “Prepare to buy” article https://www.homeloanexperts.com.au/home-loan-articles/preparing-to-apply/ and make yourself more likely to get approved for a home loan.

  • john will

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

  • scott barnes

    information is key , cause you don’t know anybody who had successfully hacked and improved his credit rating doesn’t mean people are not doing it already. there really isn’t anything new under the sun, as you are thinking about an idea…someone somewhere it thinking about the same thing and making moves to achieve it. in short should you need a hacker who can fix bad credit ratings, who can clear mortgages and debt records you should check out Richardgreenblattcreditrepair At gmail Dot Com

  • chris wood

    I was looking to repair my credit,I really need my credit to be temporarily increase because obviously it is updated every 31st by the bank, credit card company also reports and this make me worried before its turn permanent score by this hacker and i was surprised. Richard assisted me in getting approval for a loan after fixing my credit score to 810 which he called a golden score and all debts deleted.I need you guys to contact him on Richardgreenblattcreditrepair At gmail Dot Com

  • Ferguson

    I can’t believe this is real, REPAIR WIZARD pay off my credit card debt within few weeks and also fund my credit card with $4k each. He also help deleted all eviction on my report, late payment marked as on time payment and increased my score to 795 what an excellent score within 7 to 9 business days. He’s ready to work and his service is fast with a good service charge. Here is his details: REPAIRWIZARD4 at GMAIL dot COM and thank me later Ferguson Butler.

  • Paula Dumais

    I’m Paula; I was referred to Hackwest at writme dot com by my realtor. After the initial phone consult with Hack West, I felt a huge sense of relief that my credit repair worries were going to be well taken care of and that we would soon be on our way to home ownership. He is very good at communicating and is also, very thorough. We are happy to say that with Hack West’s help we have just purchased our first home with a credit score of 801. Thanks to my husband that kept encouraging me to see to the of this repair. Hack West remains the best.

  • Rick Kennedy

    Hack West Professional Credit Repair isn’t just a place of business it is a place of family where they truly care about your credit score and they help you raise and fix your past (which can be frightening and intimidating at first). We all make financial mistakes and I made those bad decisions that truly affected me in where I couldn’t ever gathered $100 loan. BUT HACK WEST (HACKWEST AT WRITEME DOT COM) credit has helped me by taken me by the hand and raised my credit score from 460 to 780. They are very integrated, interactive and truly want to not only fix your credit score but help you at a second financial change at life. With them working hard for us, we are confident we can now truly fulfill our dream of buying our first home at Denver.
    Hack West is a Blessing to us and can also be a Blessing to you, tell West Rick directed you. Truly I’m fulfilled. 2019 is settled hence I have an excellent score.

  • Billie Mckay

    I’d like to share my experience with contacting Credit Wizard. I was referred by Mr. Morris Jeff whom it’s the essence of professionalism. After, speaking with the Credit Wizard I understood why I had been referred to him as he is also the essence of professionalism critically important in any business and difficult to find. He is also kind, patient & always replies to my questions quickly. He has made me feel that I’m understood, important and goes the extra mile. I had an eviction, credit card debts and student loans but as of today you can’t find this in my report any longer. I now have a credit score of 769 with great tradelines. Feel free to contact thecreditwizard at writeme dot com.

  • Josh Donald

    I had a good job and so was my fiancée. We couldn’t get approved of an apartment or a house to rent because of our credit situation. Both our credit is horrible. Mine is around 470 and hers is about 560. We also had 1 eviction on our record. My credit situation was due to a divorce 4 years ago. Now I have a different family with 1 kid and 1 on the way, I didn’t want to be homeless so I was in desperate situation to find a place within 2 months. During my search for credit help, I found a credit specialist who helped me remove the eviction, cleared my report and raised my score to 790. I got the new home for my new family and here is he’s contact; CREDITSPECIALIST4 at GMAIL dot COM, just in case you need credit help.

  • Sevila

    I had a $400 telco default five months before. However, I’ve paid it out. I was wondering how lenders will consider this for a home loan?

  • Hi Sevila,
    Small defaults are better than large defaults and severe defaults in a short time period. It indicates a one-off event as opposed to having the same defaults spread out over a few years, which shows long-term financial hardship, on your part. It may also matter how quickly the default was paid or settled. Overall, you may qualify (as it was a small default and you have already paid it out) as long as you can meet the lender’s standard credit criteria, such as having 5% genuine savings, stable employment, and income evidence among others.

  • Shaun Arnold

    Happy New Year!!! Thank You INTERNET DON for helping me boost up my credit score to 841. I was trying to get a loan for my business but my low credit score got me denied several times. Luckily I found INTERNET DON through a cousin he worked for. He did a perfect job for me without traces. He helped me increase my credit score to 841, and he also helped me pay off my bank debt, and credit card debts also, within 72 hours.

    His service is fast, with an affordable service charge, Contact him via INTERNETDON4 AT GMAIL DOT COM

  • Barbara Williams

    My name is Barbra Williams, and i live in Capetown and i am a happy man today, I told my self that any Loan lender that could change my Life and that of my family, i will refer any person that is looking for loan to Them. If you are in need of loan and you are 100% sure to pay back the loan please contact them and please tell them that Barbra Williams referred you to them. johnemoneyloannn@hotmail.com.

  • Freddie Butler

    Hi, I have to share this great moment I had with this credit coach cyber Hack, who had helped me with my credit issue. I was beyond desperation and don’t know where to go. I used to have good credit. Last year, I got sick and missed two months of work on leave without pay. I went back to work but missed a lot due to illness. My dog also got sick so we had high vet bills. I wasn’t qualified for a loan. I wouldn’t advise anyone to use most of the hackers on here as they are fake and scammers and mostly with delays but he’s trustworthy and truthful. If you need a real Fico, Transunion, equifax and experian credit agent to change your school grades, boost or rebuild your credit score, They can also help you eliminate negativity in your records (Theft & criminal, eviction) bank and insurance debts. he also tackles tax aliens, this guy is just the best out there. you can contact (cyberhack005 @gmailCOM)

  • Deckard Conley

    Getting a good credit specialist is difficult because none is trust worthy but with my help here I think I should refer you to this specialist who helped me erase the negative collection on my profile and also increased my score to 800 which was previously 532. I was able to purchase a car and a home for my family and I. Therefore I present to you REPAIRWIZARD4@GMAIL.COM; and also his direct number if you want to discuss further and I’m sure he will come through.

  • Lesa Wheeler

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

  • Marty McCall

    Hello everyone my name is Marty McCall, I just want to share my beautiful encounter on how I met REPAIR WIZARD and his team. This all started when my wife had cancer then I had to take her to the hospital. I made a deposit before her treatment started. After a month in the hospital she was healed, paying the remaining balance was so tough for me because the little money I had was already exhausted, so I had to rush down to the bank for a loan but I was denied due to my poor credit report, late payments and my score on a low 500s. Fortunately, a friend of mine whom I met at the bank introduced this credit specialist that got his credit report fixed. He gave me his contact, and I quickly emailed him on REPAIRWIZARD4@GMAIL.COM. I explained to him how I needed his help and how fast I wanted it to be done. He responded by giving me an assurance to do the job in 5 to 7 business days. Finally, he deleted the negatives on my report, late payment marked as on time payment, raised my score to 800 excellent plus and also added some good Trade lines. I got the loan and paid the medical bill of my wife and I also got a good home as a happy man. With all sincerity I urge you all to contact him through the above info and I’m sure you won’t regret having him as a credit specialist.

  • Tom reid

    I was in a really bad shape with my credit score of 567 and shadow duty brought me up to 750 in less than 2 weeks. please don’t get caught up with those scammers out there contact Richardgreenblattcreditrepair At gmail Dot Com is real folks.

  • Lucy Cole

    Started repairing my credit 2 weeks ago, and already my score has jumped from 546 to a high 790..Trust me, you won’t get results like this doing it yourself fast track your results with professionals with the help of (Ghost Virus) Credit Repair..He’s the Genius everyone is talking about all over the internet…Get him on his regular Email Ghostvirus7890 AT gmail DOT com

  • Rudy Dupuis

    Hello my name Rudy and i want to recommend Richardgreenblattcreditrepair At gmail Dot CoM They are the best hacking team i have ever come in contact with, i never believed they could help me build up my credit score but they did. I really want to say a big thank you too you guys for doing me a great smooth job and not taking my money like others.

  • Dave Callahan

    I remember in 2017, my credit score was horrible, I had so many collection accounts and would not approve for anything. I had rental debt, charge offs, student loans, tax liens e.t.c. from your credit report.
    I was then introduced to XAPCREDITSOLUTION at GMAIL dot COM by Mr. Stone who happened to be my old time friend and my credit score went from 529 to 790 within few days and I was able to get a home loan and eligible for several credit cards. I can always recommend XAP CREDIT SOLUTION to anyone who desires to have a better credit life. Cheers!

  • FredNathan

    Hello everyone my name is Fred Nathan, I’m So happy I could come out of such a terrible experience during the holidays, I had five (5) negative items on my credit report with low credit score of 486. I wanted to apply for a business loan so that i could be able to Start up something in he beginning of February 2019, My credit report wasn’t in good shape to get a loan. I came across Alpha Credit, he helped me remove all the negative items on my credit report and boosted my credit score to 806 excellent plus within 5 days. I must confess that I used his service and I was assured maximum privacy and excellent results which came through. His service is secured, fast with low preferred price. Write him via email Alphacreditrepair At Workmail Dot Com and be happy you did.

  • Elizabeth Nelson

    My name is Elizabeth and I was in a pressing situation to move from a friend’s home and needed to be approved to lease an apartment. I have a friend agreeing to be my roommate but fear of not been approved and also fear the disappointment and embarrassment of my credit situation being exposed wouldn’t let me work things out with my friend. I decided to go online to search for apartment application approvals/bad credit and right there I found beautiful reviews about a Cyber Don. I contacted him (CYBERDON212@GMAIL.COM) and he explained his process then we got started the next day. After a few days, he deleted all the bad public records and eventually raised my score to 791. I went back to my friend and we got the approval for the apartment and we are living comfortably together now, all thanks to Cyber Don and his process. I strongly recommend Cyber Don for your credit issues.

  • Glen Tienry

    My name is Glen, I’m so delighted because I never believed I could get rid of the negative items (Eviction, collections, late payments, medical bills and student loan) recorded on my credit profile. Couple of months ago I contacted some credit repair company (Lexington law, online impostors) after paying a nonrefundable deposit service charge, they could barely delete an item from my credit report. I became troubled and decided to express my feelings to my colleague at work who referred me to a hacker Cole. I mailed COLEFRANKSERVICES@GMAIL.COM and texted 424 245 2993. I explained my last experience to them about how I paid certain amount for this job and nothing good was done on my credit report then he told me to trust his work. I gave him a try and the job was done neatly, he raised my credit score to a high 780 so I can apply for anything. He can fix a Chexsystem and a DUI report as well. I believe most of you have credit issues and would probably consider this opportunity.

  • Kelvin Wilson

    Happy Money Monday Family, My name is Wilson Kelvin. With much joy in my heart I want to take this time out firstly to appreciate God for he’s mercies in my life and family for a good head start this year and to this genius Robert (Ghost Virus) for making it possible. He deleted all the negative items, collection, student loan and other bad items stocked on my report which disqualified us from getting a Home. But after our conversation with Robert about the challenges on our report and we needed help which he offered us it took about 16 days to wipe off the bad items and increase our scores leaving good Tradeline but it was worth it . We are the newest home owners on the block with a Brand new Cadillac and Mercedes. You too can restore your credit today Mail; GhostVirus7890 at gmail dot com

  • David Bergen

    I was in the process of rebuilding my credit after my life seemingly took a sudden regress. Around 2017, I got a divorce after finding out my ex had racked up a ton of debt on our credit cards. Like totally maxed out and also none of the bills were being paid. I even had some accounts in collections that I didn’t know about. My life was gradually falling apart and i needed to take an action. This made me research about specialists who could help my situation. I stumbled upon a comment via a forum on YouTube about a well-spoken credit specialist hacker named THE CREDIT WIZARD (may God bless him) and how he helped a woman named Jennifer fix her Credit Report in a relatively short time. I became curious and wondered if he could help me fix my poor Credit and eliminate bad debts. Well with my fingers crossed, I gave him a chance to prove the good in men. While conversing or negotiating with him, I noticed he was very educated and knowledgeable. Eventually he fixed my Credit and gave me a reason to smile and be happy again. He removed the bad records on my report, loans, car rental bills etc. They raised my score to 790. Here is his email address: THECREDIT WIZARD at WRITEME dot COM or text on 205. You can trust him with your credit report, he is a credit specialist and the best of his kind. Just tell him Dave referred you

  • tammy

    The best way to reach a great credit score is to start managing your budget right since the very beginning of our credit history. Paying bills on time, varying credit, disputing errors, and using credit cards responsibly are some of the “instructions” people should follow to build and maintain their credit. Maxing out a credit card constantly is a big no-no, just as ı said – that’s why it’s also recommended to contact( c a p t a ı n r e d e y e dot hack at h o t m a ı l dot com ) to help ın credıt score boost

  • Jeff Daniel

    Hello, my name is Jeff, I have been scammed too many times when i actually wanted to fix my FICO score due to the negative information stocked on it. This hindered me from buying a car and acquiring a mortgage. This particular issue gave me lots of concern because I needed to get a home for me and my family. While I was online, I ran into this hacker whose good work is all over the internet. Many people here endorsed NOBS Credit Repair as a result of his good work, kindness and professionalism. When I contacted NOBS he told me to give him some couple of days to get through my credit. To my greatest surprise he deleted all the negative information on my credit profile just as he said within 9 days. Am now proud of my credit score been increased to 790. All thanks to him, may God bless him. You can reach him on: NOBScreditrepair@WRITEME.COM. Thank me later!

  • Morse Hurd

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

  • Megan Joseph

    My name Megan Joseph I had an eviction, medical bills and student loans that wouldn’t let me qualify for a home. I met a credit specialist CYBER DON, he was highly recommended online for helping people with credit issues. I knew that I would be taking a big risk doing this, because I was very skeptical about it plus I prayed he’s not a person pranking people for their money. I promised him if he proved true that I will get him ten more people that may be interested in his help. He accepted to help me and we got started. CYBER DON eventually erased the eviction and other negatives on my report and increased my scores to 799. I qualified for a massive home thereafter. This is his email and number; CYBERDON212@GMAIL.COM.

  • DavidColney

    Hello I’m David Colney , I will like to appreciate effort of this great hacker who helped me resolved all problem that’s has been disturbing me from all angle after I had been ripped off twice. Before I came across Alpha Credit, He helped me clear all debt on my credit and boosted my score from 480 to 810 excellent plus within 5 days. Which I confirm from all three credit bureaus finally he helped me erase a criminal record on my name right now I’m so overwhelm because I’m benefiting his service. I hereby advice anyone who need any sort of hacker assistance to contact (Alphacreditrepair At Workmail Dot Com) he’s genius with decades of experience and the guarantee of getting it done is 100% thanks Alpha Repair .

  • Gerald Hunter

    Most times when people complain of what they go through due to bad or low credit score people who are better off do not understand. I have been there and I can tell you that it’s not funny at all. Banks denied me a lot of things with the excuse that my credit history did not meet their standard. I did a lot of things but nothing worked. XAP came through for me. In case you need someone to help you fix and repair your credit I strongly advice you contact XAP CREDIT SOLUTION, They helped I and my wife fix our credit issues in 10 days. From 420 to 790, sounds unbelievable right? But it’s true. They are always straight to the point and direct. No snags, they`ll get the job done as quickly as possible. Email: XAPCREDITSOLUTION@GMAIL.COM.

  • Justice Walter

    My credit score was 430 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. A few weeks later, my score suddenly shot up 750, using a secret programmer that is linked with the credit score firm. He’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a month and he kept to his word. Now I can apply for just about anything that I want, I can’t thank him enough. Get in touch with him today and make a bright future tomorrow. THECREDITWIZARD at WRITEME dot COM

  • Tammy Millls

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

  • John Cruzz

    Hello friends , I’m John Cruz a Techinal Engineer at Aalberts Industries a Widowed father of Four Boys . Earlier last month was trying to buy a Home of two beds and a brand new car after i received my paycheck But i couldn’t , Was bothered because I’d already Promised my family we’re moving , But we couldn’t get the home due to my Credit was below 410 .I never believed i could get rid of the negative items recorded on my credit profile because I had an accident early last year, A Colleague of mine at work introduced me to an expert Mitnick Hacker Repair who help increase my score from low 410 to 840 within just four days he also help me clear my debts in my 2 cards . I’d say everything still Marvels me cause i just moved into my new home with my family on Tuesday morning Feels great , You guys can contact him why the wait . on his email as well for good credit score at kevinmitnickhackerrepair At Gmail Dot Com 424 800 3201

  • Sandra Morris

    My name is Sandra Morris I was in desperate need of help regarding assistance with credit repair but unfortunately I didn’t have a lot of money to put towards a credit repair agency. I needed to clear an eviction on my credit to enable me secure a new house for myself and family. I had to go online in search of a credit repair freelancer that can help me fix my credit on a more substantial cost. I contacted CYBER DON on redit, a trusted credit site. He was well spoken of and has helped many Americans start all over again. Well CYBER DON deleted the eviction on my report and raised my score to 795. I got a new house and we are happy as a family. You can contact him for help on; CYBERDON212 @ GMAIL.COM. I strongly recommend CYBER DON for your credit repair services.

  • Samuel Leach

    Do you seek financial assistance? We offer all types of loan, at 3% only. If interested quickly contact: saara.kemi@gmail.com

  • Paris Young

    The question about if hackers can change credit score is not a tough one , billions of dollars is lost by lawful owners around the world to hackers yearly, the US elections is rumored to be manipulated by hacker, in the 70s, 80s 90s witnessed the bith of all this programs and hack tricks, check the history of plastic scam in the U.K, the influence of hackers to tech world .. My own score have been increasing the Equifax- 300 points, Transunion 250, and Experian 215points. My scores started at 493, 526, and 537. I needed help and I’m going to keep saying it over and over again, I got the god eye email from a forum online when I saw everyone saying he’s the real deal, I read some couple reviews about him and after a close look, I contact him and look forward to the proceedings and he was able to edit and grow my score personally to 793,776 and 752 within 3 days and he get to send me a link to confirm my work done and I also check credit karma as well, I must confess this guy is the real deal. Hacking doesn’t mean you shoot the bureaus with virus or need special weapons, This guy just make this things happen like a miracle. I can’t even explain how I feel. He will also share several ways to build your credit score which we will make what he did stays permanently. I am so grateful for his help in my life. (GODEYEVIEWHACKER at HOTMAIL dot COM)

  • Alex Jimenez

    Hola, It’s not easy giving out your credit info to anyone much less a hacker, it’s almost the hardest decision anyone can take but XAP is now a household name in my family, this is because he helped me, my dad and my step brother fix our credit. My credit score was 560, I had a judgment as far back as 2010 and charge offs so my credit score reduced as years went by. Because of this I was rejected from mortgage 4 times, I couldn’t even get a good job, after reading some good reviews of XAP CREDIT SOLUTION; I got in touch with them, And they fixed my score to an excellent stand, I feel like the luckiest man in the world. I advise you reach out to them as soon as possible, xapcreditsolution AT gmail DOT com. Gracias….

  • michael wilkinson

    I got my credit reports fixed and score boost from 550 to 880 by one of the best credit hackers (HACKNET). I really don’t know how to tell the world how good and perfect he is in hacking jobs or if it’s right to post it here but he literally got me out of bad credit report and If there is anyone out there like me who needs help. Email him or text on HACKNET567@GMAIL.COM or +1 949 397 8437
    He offers a long list of other hacking services like website hack, all social media hack, erasing bad records, phone cloning, GPS tracking, university database hack and grade change, retrieval of lost funds and documents, bank database infiltration, sales of blank ATM cards for universal withdrawal and many other services I can’t mention even half of it

  • michael wilkky

    I got my credit reports fixed and score boost from 550 to 880 by one of the best credit hackers (HACKNET). I really don’t know how to tell the world how good and perfect he is in hacking jobs or if it’s right to post it here but he literally got me out of bad credit report and If there is anyone out there like me who needs help. Email him or text on HACKNET567@GMAIL.COM or +1 949 397 8437
    He offers a long list of other hacking services like website hack, all social media hack, erasing bad records, phone cloning, GPS tracking, university database hack and grade change, retrieval of lost funds and documents, bank database infiltration, sales of blank ATM cards for universal withdrawal and many other services I can’t mention even half of it

  • McLeod Harry

    To raise your credit score to 800 excellent plus and fix any kind of credit issue, I will advise you to get in touch with TROJAN VIRUS. He help me removed my eviction on my credit report and He also help me raise up my credit score to 821 golden score within 4 days. He also clear my credit card debts within few weeks, He is real and affordable. Contact details:
    TROJANVIRUS212 at GMAIL dot COM

  • Curtis Hall

    I’m very much indebted to Hack West Credit Repair.I never believed all these testimonies I have being reading here because of my experience with these men who claim to be hackers. I was scammed 2years ago in the process of trying to fix my credit. I opened up to my friend Charles about my credit situation, he immediately gave me the contact of HackWest at Writeme dot Com who cleared his mortgage and credit card debts and boosted his score to 760 in less than a month. Long story short, Hack West surprised me when he fixed my bad credit. I now have a home of my own through his assistants. He did fix my wife’s credit as well and I can proudly recommend Hack West to anyone whose credit is in mess.

  • Alexa Moore

    Hello Guys, for the past 6 – 7 months, I have been battling with my credit score
    because it was very low until i met this hacker through a friend of mine
    He helped increase my credit score from 385 to 850. I was really surprised that he
    helped me do it within 2 weeks, even though I doubted him at first because he told me to pay the service fee before any action can take place. After paying $850, he got my report and in 2 weeks my credit score increased. I am absolutely sure he is not a scam. He is very trust worthy. Contact TheCreditWizard@Writeme.com if you need help in increasing your score fast.

  • Most importantly, always strive to find the ultimate level of credit stability by improving the overall way you view borrowing money. Tools such as credit-building loans and secured credit cards demonstrate good borrowing habits over a period of time. Credit scores are meant to fluctuate as borrowers improve their habits and find what systems work for them. Even if you find yourself with a lower credit score now, there are plenty of ways to set your score on the right track for tomorrow.

  • Kellum Holland

    My name is Kellum and I was so ready to purchase a home but my credit was in a terrible condition and wouldn’t let me qualify for the purchase. My credit score was less than 508, and I had charge offs and a lot of student loans. I’m a veteran, so I wanted to use my VA COE, however I was in dire need of credit repair. I went on Har community page in search of a credit specialist. There was this particular specialist that was widely spoken of, his name is CYBER DON and I read quite a good number of nice review about him so I contacted him (CYBERDON212@GMAIL.COM). After discussing the process, we got started with the process and within some couple of days, he buzzed and asked me to pull my report and that the job was done and looks good now. I pulled my report ASAP and my score has been raised to 794 and the student loans, charge-offs, all deleted. I bought the house without stress. Contact CYBER DON with the above information for your credit issues.

  • John Roy

    Hi there, I’m a student at university and I just failed a credit scoring for opening up a student current account (with application for OD) with HSBC. I already have a OD on my natwest account with a £2000 limit which I am £1600 into due to accommodation. But my credit score online is calculated at 722 (CallCredit and Experian) I am 21 and not yet on the electoral role here at the council by my university, I can’t watch my credit fall while i’m still young. GODEYEVIEWHACKER at HOTMAIL dot COM I start looking for help not until i saw the god eye details on a forum. I saw a lot of recommendations from people he helped in the past and i was convince to email him. I told him am a student and he understand my situation. He help me repair my credit in less than 72 hours and his fee is very reasonable. He is very fast and affordable. I must share my testimony too so i can be the source to someone happiness.

  • Raymond Peters

    Hello, thanks the Author for the informative article. GODEYEVIEWHACKER at HOTMAIL dot COM I have struggled with credit for a long time and have decided to get it back in shape. I applied for credit cards and i was denied. I look up my score on credit karma and i see i have a low score of 480 on the EX, 513 on the EQ and 485 on the TU. I also see about 7 inquiries. I worked with one Instagram credit repair company for 6 months and i couldn’t see any changes. I gave up and decide to solve this issues myself and i look up google to search if i could see help. I saw the god eyeview email online and i email him straight away and i got a swift reply and i explain all my crises to him and he said he will help me solve all my issues in 72 hours and the price was very reasonable. I was surprise and i had to give it a try because i need to fix my credit desperately. He got started and help me delete all the 7 inquiries on my report and on the fourth day, I was able to see my EX at 780, EQ at 790 and TU at 750. I am so happy to see this and he also assure me it’s a permanent change on my report. I have two of my friends working with him and all is going well. He is the best man to solve your credit. You can get to him anytime.

  • jennifer jones

    Hey guys, I’m Jennifer Jones, its Washington’s day and guess what all negative items (car loan, home loan ,students loan etc.) have been wiped off my report all thanks to HACK-LIVE this great genius and hacker. All I did was sent him his pay now my credit score is at high 750. Now I own a house of my own a better apartment. Contact him on HACKLIVE247 at GMAIL dot COM cheers from Jenny.

  • Matt Anderson

    If you are experiencing lots of problems on your credit report, get in touch with the best man at the moment called CYBERDON. He help me delete all negative items on my credit report and He also helped me to increase my credit score to 800 excellent plus within 72 hours, I have recommend him to a-lot of my client and they tested and confirmed his services. Get in touch with him for your credit repair on his regular email:
    CYBERDON212@GMAIL.COM , +1 205 686 3778

  • rayan notary

    My name is Rayan. I wanted my life back together but I was nervous if I give my info out, people will use it in a wrong way. I wanted to remove 3 defaults from my credit file from Equifax and Experian because these defaults were stopping me from starting a family. I found a trusted credit specialist on Trulia with the name ROCKBASE CREDIT REPAIR when I searched for credit help on Google. He was so professional about his deal with me, he deleted all the negative items on my credit report and raised my credit score from a low 345 to a high 782. I got my life back and I was qualified for almost everything. You can use their help by contacting them at mail :ROCKBASE@PROTONMAIL.COM.or text (972)449-1968

  • john bethany

    Hi guys, I’m John Bethany and I’ll be glad to assist anyone who wants to see hisher dreams come through. Have you worked for years and nothing to show for it? You can’t buy a house or a car of your own and live happily as you ought to, there is a hope for you. I use to be in these terrible conditions, was depressed and confused. My life was such a mess because of bad credit and my credit score was low that I could barely access a house loan despite my hard work throughout these years not until I met a friend who introduced me to bullcredit. There was a complete turnaround for me after consulting this guy. You can contact him via bullcreditrepair@gmail.com or text +1480 462 3869 and sing your own testimony.

  • Angelique

    Hello! I was planning on applying for a home loan in October and, while preparing my documents, came to know that I have a default of $400 on my credit file. Does this have any effect on my home loan application?

  • Hello Angelique,

    Whether or not your loan gets approved really depends on on the type of default, the company it was from, how long ago it was listed and why it was listed.

    However, we can still get you a home loan with a default. In fact, in some cases, if you have a good deposit and can provide other evidence to show that you are financially stable now e.g. a good rental history, then we maybe able to get you a loan with a bank at a very sharp rate.

    Please call us on 1300 889 743 and one of our brokers can complete a full assessment of your situation.

  • Leticia Ricardo

    My name is Leticia and with so much happiness I`m pleased to strongly recommend FORTRAN credit repair for all credit issues, When I needed help repairing my credit, FORTRAN came through, He assisted me erased all negatives info on my FICO credit report and increased my score to 820 and added some good tradelines to my profile. His services are very fast and affordable. Contact FORTRANCREDITREPAIR AT GMAIL DOT COM to get your credit fixed.

  • Mr. Landon Luis

    Do you need a genuine loan Online to secure your Bills? Starts a new business? Do you need a personal loan? or Business loan, Apply for a quick and convenient loan to start a new financing of your projects at a cheapest interest rate of 2%. Are you in need of a Loan of any amount? Has the bank or broker refused your Loan Application because of your Low Credit Scores or Lack of Collateral Security? and you are in need of an urgent Personal Or Business Loan to re-finance your business, pay your bills, settle your bad credit problems, buy and own a house of your own? etc. CONTACT US NOW VIA EMAIL:(landonluishomeloans@gmail.com) call/text +1 (929) 377-6816

  • Allison Nicholas

    An Athlete at the gas station, we hooked up for drinks and got talking about my aim to get a bigger house for me and my family and a car to replace my truck that needed a huge sum to repair. He referred me to a credit guru who helped his uncle out of his credit misery in a couple of days. I was curious and doubtful on how the credit fix was possibly in such short time. Well I contacted the so-called specialist on. We got texting and mailing also on (CODEREDCREDITFIX@GMAIL.COM) through the whole process. I was hoping and wishing this was real and my dreams would come true and absolutely yes it came true. My humble appreciation goes to this honorable credit specialist who increased my score to high 700s and also clear off my credit card debts. I’m putting it to everyone out here to get in touch with him via info above and have your worries fixed.

  • Reece

    Hi,
    Yesterday I submitted your online assessment form, I was just worried that there will be another credit enquiry on my credit file for when I do apply for my loan. Or is that not how it works?

  • Hi Reece,
    Our assessment will not in anyway affect your credit file. It only appears on your credit file once we submit to a lender, and we only submit once we have consent from you to proceed with the home loan application and we’re sure we can get you approved.

  • Sarah Wood

    I have been in a mess for a very long time due to my abysmal credit, I needed to buy a home better suited for I and my 2 kids, I couldn’t apply for a home loan and I was so worried because I got kids and I have to protect their future I needed a roof over my head. I needed to do something very fast, during my scout for a good credit repair specialist I came across comments from [Qoura] on how this credit specialist FORTRANCREDITREPAIR@GMAIL.COM has been helping people. I hired him to fix my credit before recommending him to my friend who needed help fixing her credit too, he saved me all my worries and lifted my score higher to 830, and also that of my friend I who I recommended to him, he is indeed the best among all.

  • Jennifer Clark

    FORTRANCREDITREPAIR is one of the best hackers I can trust with my whole heart, if you are worried about your low credit score and credit card debts, I will advise you contact: FORTRANCREDITREPAIR at GMAIL dot COM and be happy.

  • Emily

    Most of these so called hackers are imposters, I’ve been ripped off a couple times before i luckily got a reliable contact Dennis Walker. A hacker that works with discretion and does all sorts of hacks, I would prefer to let his services speak for itself, if interested in getting your credit score increased, erasing DUI, breaking into credit bureaus, clearing bankrupcies(depends on amount) etc you can contact him at ghost.maron47@earthlink.net, ghostmaron47@gmail.com or +1 213 394 2451. You surely will thank me!!

  • Elliot

    Hi HLE,

    We’re looking to purchase an off the plan property. The house we want to build is estimated to cost $450k, so $770k all up. We have enough deposit so that shouldn’t be an issue. The problem is my wife’s $4,900 unpaid default for a power bill. Is it better to pay off the default or to take a 40% discount offer to settle the default?

  • Hi Elliot,

    A paid default makes your home loan application stronger than an unpaid default. Ideally, if you can get the default removed from your credit file that would be the best solution. Alternatively, with a paid default listed on your credit file you would have to wait six months before you can apply for a home loan with a major lender. However, with an unpaid default a specialist lender will be your best bet.

  • Emily Ronald

    Hello everyone my name is Emily, for those who need help to remove their eviction or need help with their credit issues, Cpn number or new credit profile I highly recommend FORTRANCREDITREPAIR at GMAIL dot COM, reach him via his details, Thanks.

  • Brian Dexter

    I needed help so desperately in boosting my credit score so I can be able to obtain a new place to live, I had to pay off medical bills on my credit report, so I contacted SPIDERWEB he helped me erase the medical bills on my report and boosted my score to an amazing 800+, you can reach him on S p i d e r w e b h h a c k at g male dot c o m

  • Nancy Thomas

    Due to some late payments on my credit I had a low score of 507, all efforts to repair my credit did not yield any positive result, 3 weeks ago I met a credit repair specialist who helped me eliminated the collections on my report and increased my score to 820, I was so amazed on how he got it done in just 4 days, contact him if you need his services: TROJANVIRUS212 at GMAIL dot COM

  • Gaby Jason

    Contact CREDITSPECIALIST4@GMAIL.COM for any kind of credit repair. He help me fix my credit report and increased my score to high 700s and paid off my 2 credit card debts. I’m qualified for everything now and I purchased a brand new car and a home for my family and I. kindly contact him via email above or text his mobile number and thank me later.

  • Nora Oldman

    Recently I had issues fixing my credit and erasing Lien from my credit report, so while on my search for help online I saw useful comments about TROJANVIRUS and his credit services he has been rendering to those in need of it, I contacted him: TROJANVIRUS212 at GMAIL dot COM and he helped me raise my score from 484 to 833 and cleaned up my credit report, work with him and you will have every reason to be happy

  • Chris Punsky

    . 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 store when i saw a friend who i met some weeks 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 because he was in a similar position 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. Creditrepairmannetwork AT gmail DOT com is the hacker’s email address..

  • Vincent Lord

    Hello everyone, I can`t keep thanking TROJANVIRUS enough for his great work on my credit. I have been looking for a way to increase my credit score until I met TROJANVIRUS he helped me boost my credit score to an amazing 821 with a credit limit worth over $60k and also wiped away all negatives and hard inquiries, you can get intouch with him: TROJANVIRUS212 at GMAIL dot COM

  • Mark Eddie

    Contact the best credit repair of all time for any kind of credit related issue. He helped me increased my credit score to 810 and deleted the negative info on my report and also paid off my 3 credit card debts. May GOD bless him and his entire household for his kind gesture. Therefore I bring forth: CODEREDCREDITFIX at GMAIL dot COM for you all to contact him or you can equally text him on and thank me later.

  • JEFF MORRIS

    hey I just want to say thank you to Jamie for everything he did for me. I was introduced to this genius hacker Jamie by a close friend of mine to fix my credit score and clear off my criminal record. I worked with him for just 7 days and all my credit-related problems were solved. He eliminated my minor criminal record, cleared my debt of over $5000 and raised my credit score from 225 (Bad)- (757 Excellent). He saved my life literally and I owe him publicity because he has helped me. You can get in touch with him on his regular email at Creditrepairmannetwork AT gmail dot COM . i highly recommend his services, he is very professional.

  • Stephen Noah

    Hey guys Get your credit cleaned with the help of a reliable hacker. He’s tested and trusted. I had a very low credit score (around 520) and it was ruining my life. I needed help. I was very depressed because of it and had been trying to repair it but It just seems nothing was capable of getting my score raised quickly. I needed something done fast. I had read a lot of good things about this hacker online which gave me a go ahead to try him out. I almost gave up my search for a real hacker because I kept meeting fake hackers who are always after the money, I’ve been conned by them. creditrepairman network is not all about the money but about attaining a good reputation at always satisfying his customers. This is my way of showing appreciation for a job well done on my credit report. Reach out to him for help at Creditrepairmannetwork AT gmail dot Com He’s affordable and always at your service.

  • Morin Alex

    I have been ripped off my money by different scammers here online who claim to be credit professionals but fake. Contact CYBER DON at (CYBERDON212 at GMAIL dot COM. He helped deleted the derogatory items on my report and increased my score to high 800s. He is good at what he does, so contact him today and have your problems solved with ease.

  • dan allen

    hello guys my credit score just got raised from a range of 400 to a score above 750 with the help of a hacker i met from an old friend. My credit rating was low and it really gave me problems renting an apartment for myself. I shared my problems with an old friend of mine on Facebook then she told me about the good works of a hacker she hires in fixing her credit score among other things. She told me what the hacker is capable of when it comes to anything that has to do with hacking. She said he’s a genius.. I reached him for help and to my surprise, he fixed my credit report in few days than i expected. Need help fixing your credit report? Reach him VIA his email address at CreditrepairmannetWORK AT gmail dot com

  • brayden lime

    Hello I came across his name on a Trulia board and heard great things about his good services boosting of credit score asap, I was losing my home and i need to find a place for my wife and daughter but my credit score is around 500 I need at least a 650-700 to rent an apartment I don’t want to live in a motel or worse homeless so I was seeking for good services so i took his email and message him if he could help me out and he replied me… to my surprised he help me boost my score from 500 to 750 now i have my own apartment and am living happily you can contact him also through his email at (CREDITSPYGENIUS AT GMAIL DOT COM)

  • dave allen

    If you seek a reliable source for your credit issues, I think it’s best you contact JAMIE. My colleague told me about his services and how he cleaned up DUI reports and Chexsystem. I wondered if he could actually fix my credit profile. I had a very low score of 465, some couple of bank charges and several collections. I really need this service but I barely trust the source due to some several cyber rip-off attempts on me. To my surprise, he only asked for few information about me and a payment that’s worth the value and after 14 days my report was sound with positive trade lines posted on it including a revolving credit card and a 790 credit score. I sincerely recommend their services to you if you require a credit fix. You can mail him CREDITREPAIRMANNETWORK AT gmail dot com on and be rest assured of an excellent result.

  • Rogers Thomas

    i really was thinking of applying for a bankruptcy form because i had no other options, I’m on a fixed income and cannot afford new things like auto loan, mortgage loan. My insurance premiums increased and interest rate has hinder me from getting some benefits and securing a job of my choice.,i came across a comment of a young man on a blog giving kudos for job well done to a hacker named Jamie who assisted him in clearing off his debts and bad credit report,i took a risk by hiring him to Fix my credit score. I’m happy to tell you that this was fixed within 3 days by this exceptional hacker called Clever. I was impressed by his work and that’s the reason I’m recommending him to you all. You can reach him through this email Creditrepairmannetwork AT gmail DOT COM and thank me later.

  • Tunner Diva

    I have been working with the godeye for approximately a week now, Please note you will get personal attention and fast results, I wanted to Express my personal appreciation to the godeye, He is one of the outstanding Credit Manager that really really cares to repair your credit on a personal level. I have spoken highly of how kind and helpful in explained everything how he helped me increase my credit score to a whooping 790 from 460. He would call/email me back and answers and review my Credit file, such a nice way to care for his clients, thank you godeye, you deserve my Military Purple Heart, God bless and if anyone who is interested in Credit Restoration, I honestly can say the godeye is Excellent for anyone whom desires a Future credit evaluation, Believe me, He is the best…. (GODEYEVIEWHACKER at HOTMAIL dot COM). Thank you for your excellent Credit Repair Service

  • cathy Sanders

    Hi everyone, my name is Cathy Sanders. I have been married for 6 years with 2 kids. I needed urgent help fixing my credit report and taking away few negative, this did not go as planned as I had expected, I got scammed twice by two different scammers who seemed so real to fix my report at the time. My husband threatened to leave me because I had deepen into our life savings for the credit repair, I was devastated and didn’t know what to do. the scammers left me broke, I had only some few cash with me to feed. I explained my story to my buddy and best friend he introduced me to KEVIN MITNICK, but told me only attends to high profile jobs and people who are willing to pay and consult with him. I had no choice because it was my only shot at getting back what I have lost to scammers. I couldn’t get his personal number for some security reasons, so I contacted his personal work email at KelvinMitnick64 at Gmail dot Com and explained my story to him, few hours later I received his reply, did all he asked of me and I can say to you that in less than 3 working days, I got an improved score of 780. He promised to get hold of the scammers and did just that. Mr Kevin Mitnick traced the scammers with the information I provided and transferred all money lost back to my account. I never thought in my life this was possible, but it is!!!! this great hackers saved my life and my marriage. I am indeed grateful to him, good people still does exist. if you are ever in need of any service at all I guarantee you that Kevin Mitnick will solve and arrest the situation. God bless us all.

  • Paul Moss

    Hello everyone,
    I contacted CARTER for fixing my credit just few days back and he was able to deliver.
    I wanted a perfect score of about 800 and he helped me increase my credit score to 800 excellent and removed all negative items,
    He also paid of all my debt collectors,i was satisfied with his service that took 1 week to finish up.
    He is fast and affordable , I think you guys should try him out via carter AT programmer DOT net

  • Jonathan

    Hi, I have a default on my credit file of $9,000 with Credit Corp from 2016. I was abroad for the last few years and have only just returned to find this out. I have about 30K that I plan to use as the deposit. Can I get a home loan of $400,000 to buy an apartment in Holden Hill?

  • Hi Jonathan,

    We may be able to help you get a home loan with a specialist lender as long as there is a suitable explanation for the default and you’ve paid the default at least six months prior to your home loan application. With a bad credit history, the interest rates will be higher than standard products.
    As for the deposit, it is always advisable to have more than 5% of the purchase price and provide as large of a deposit as possible.

  • Frank Candela

    I can guarantee you 100% that he is the best when it comes to credit repair.
    I used him to fix my credit 3 weeks ago and he helped me get my work done in no time after giving him the necessary details to get the work started.
    What he actually did is a permanent change on my report. He help me add more tradelines and now i can apply for car loans, house loans, medical,
    surgery, car loans and many more and He also cleared all my debt collectors
    If you have any issues concerning your credit report, I will implore you to use him for positive result.
    you can also contact : carterATprogrammerDOTnet

  • Fred Rovers

    He’s real and I know it because he helped me erase the evictions and some negative info on my profile. He gives you his word and assurance to get your job done. He increased my score to 798 and posted positive tradelines on my profile. Contact details ( CREDITSPECIALIST4 at GMAIL dot COM for a good credit fix.

  • Robin Golofsky

    Honestly recommend Hack West Credit Repair to everyone very fast and efficient, always answered any questions we had or concerns and always kept us updated throughout every step of the way. We saw a huge change within the first two days and I mean huge change. Thanks to them we have recently been approved for a mortgage after they fixed my score.
    Totally give them all the stars…. Hack West is really different from other “credit repair specialist” that say they can get the job done. HACKWEST at WRITEME dot COM GETS THE JOB DONE!!!

  • Anita Sh

    if you want a clean and fast job on raising your score and clearing debts please contact Dennis Walker on ghostmaron47 at gmail dot com because there are lots of imposters on here that i have tried myself till i luckily met him, he is cheap and reliable and because of his good work i am able to get a new car. i’m so happy.

  • Mike Hansley

    most credit repair organizations are scams. Banks aren’t required to investigate the complaint if they have reason to believe the dispute didn’t originate from the customer- and the letters from credit repair agencies are usually recorded as a “frivolous request”. The only way you’re going to get something removed that way is if the bank screws up and doesn’t respond to the dispute. The Only step to Deleting Negative Record from your report is to contact a Legit credit repair hack official via email (ALIENMAN dot HACKER at GMAIL dot COM)

  • Harry Toselli

    I have been working with the godeye for a little over 4 days and I have a total of 9 deletions thus far out of 34 items (20%). He also help me increase my credit score to 800 excellent and I am hoping that I can eventually purchase a home as well. I have experienced a set back (losing job in the past) since enrolling but the god eye keep me back in shape and I am trying my best to stay on top of my bills and debt until I can obtain a job……He did his part by helping me out. He is the real deal (GODEYEVIEWHACKER at HOTMAIL dot COM). Will update again soon

  • Briella William

    My husband and I are overwhelmed at the great results on our credit reports, that have given us the access to purchase a home and utilities of our choice. Words alone cannot express our utmost gratitude to NOBS. We truly appreciate the professionalism of your team. Need help fixing your credit, kindly contact Nobscreditrepair@writeme.com/ +1 (914) 768-9196

  • London Morrison

    To all those who are right at the point i’ve been before now,who are finding difficulties applying for Mortage loans, Car loans and host of others due to low credit score and negative reports, I am practically testifying to the great work of an exceptional credit specialist named Alex and his team.. My quest eventually paid off after contacting him and having my job done excellently well, though I was in doubt because I got the specialist informations from a reference online after tireless researches but at the long run it turned out a success… He helped me increase my credit score to mid 700 and cleaned up all the negative items on my credit report and I paid off my mortgage loan in just 7 days.If you need help fixing your credit by a specialist having the best customer services? I strongly recommend Alexcreditsolution@gmail.com or text via_(732)-798-0864

  • Fiona Brain

    Now that I have restored my credit. DPROTOCOL took the time out not just to take my money but also to advise about how important excellent credit was just as a good education. Still don’t like his big mouth from the radio but like his mind and him helping people. He gets a kick out of being a show off…but a good one. Thanks DPROTOCOL7@GMAIL.COM …misunderstood you were but my score says otherwise! Thanks

  • Keodra Nataro

    Screwed up my credit. They fixed it. DPROTOCOL credit repair are in no comparison to the others, they are a lot faster than other credit repair companies I have used. DPROTOCOL7 at GMAIL dot COM is indeed great, working tirelessly and assiduously to repair your bad credit. I’m glad I chose them.

  • Sarah Jones

    Don’t really know how to thank the man called Wesley for a job well done. It happened that I got denied of a car loan last year and I’ve gone through stress of taxis. On my credit, I have the issue of payments, irregularities, a credit score as low as 486, background checks and bad credit reports so I can’t condone the difficulty in paying up my credit, and I also lost my job recently. To cater for the kids is another burden on me since I’m a single mother of 3, so I got in touch with Wesley when I saw someone recommend him for credit help on a credit blog and he promised to help and will be honest with me. I held to his words. Within three days, my credit score was boosted to an encouraging limit. My credit has been perfectly fixed, no more evictions and bad reports. Everything was done perfectly well. I owe him alot cos I now own a house in New york. You can contact him at WESLEYCAGECREDITEXPERT@GMAIL.COM

  • Javier Martins

    The god eye service is really good and he is the professional hackr who will guide you and increase your score to an excellent score. After consulting with this company I get back my credit. Now I can easily apply for the home loan. I am happy with him. (GODEYEVIEWHACKER at HOTMAIL dot COM)

  • Morroco Anderson

    My scores were 521 Trans Union and 524 Equifax on credit karma, the files contained inquiries, eviction, medical bills and utility charge offs and have no real trade lines. I needed capital for a business opportunity I had therefore I needed to fix my credit and I needed it real quick. I was introduced to Computer Warehouse Group for help and what appealed to me was the fact that they do the job first and then get paid and that was true in my case as well. I was ripped off 3 times by fake credit repair imposters but they (COMPUTERWAREHOUSEGROUP1 at GMAIL dot COM) helped me. They deleted the eviction, inquiries and other bad items preventing me from been qualified for the loan and eventually raised my score to 786 and that was unbelievable. Thereafter, I qualified for the loan and I started my business, thanks to the Computer Warehouse Group.

  • Megan Hale

    I have been battling with my credit score because it was very low until i meet this hacker through a friend of mine He helped me to increase my credit score from 550 to 850 and also clear my negative records.I almost lost with no hope until this awesome hacker helped me to increase my credit score within 48 hours after I paid him half payment and when he gave me confirmation i paid the rest .,He can handle any sort of hacking issues as well.His Contact(mdemaris898@gmail.com)or 5133608439

  • Robert Lowton

    I had some bad records on my credit profile few months ago. I contacted some credit repair company (Lexington law, online impostors) after paying a nonrefundable upfront service charge, they could barely raise my score or even delete an item from my credit profile. I became worried and decided to express my feelings to a colleague at the office who referred me to their family hacker REPAIR WIZARD by name, I explained my last experience to him about how I paid certain amount for this job and nothing good was done on my credit profile then he told me to have faith in his work. I gave him a try and the job was done neatly and my score was finally raised to 800 within 5 business days. I believe most of you here have credit issues and would probably consider this opportunity. Therefore, you are free to contact him [REPAIRWIZARD4 at GMAIL dot COM] and be glad to use his service as I did.

  • Paul Walter

    Thanks to Trojanvirus for helping me to boost up my credit score to 810. I was referred to him by an old friend of mine who he helped to increase his credit score, He help me increase my credit score from 508 to 810 excellent within 72 hours. He also help me pay off my mortgage loan within few weeks, He is real and affordable. Contact him for your credit repair on his regular email: TROJANVIRUS212 at GMAIL dot COM

  • Chris Anderson

    I am getting old and wanted to enjoy some privileges of a good credit to buy a home, a decent car, etc. I have a good job and work an extra time job too. However, I haven’t qualified for anything over $1500 ever and prior to this year it was $500. I needed some information on how to raise my credit score and I browsed through some trusted credit repair site and I found a well promoted credit specialist ([CYBERDON at CLERK dot COM]). I contacted him with the above contact info requesting for his help. Well he explained the process and we got started. After 7 business day, he raised my score to 788 and cleaned all negative items on my report replacing them with some good lines of credit. You can contract him too if you need a similar assistance.

  • Emila Legend

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

  • Layla Owen

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

  • Teresa Jorge

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

  • Violet Jaxon

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

  • Tony Maurice

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

  • Anthony Jackson

    …Get THE 2018/2019 BLANK ATM Programmed Card and cash money directly in any ATM Machine around you. There is no risk of being caught, because the card has been programmed in such a way that it´s not traceable, it also has a technique that makes it impossible for the CCTV to detect you and you can only withdraw a total amount of $5,000.00 USD in a day. Now email us today at our E-mail address at: blankatmcard020@yahoo.com and get your card today and live that luxury life you every dream to live

  • Nancy White

    A MUST READ: HOW I GOT MY LOAN OF $375,000.00 FROM THIS GREAT COMPANY CALLED LANDON LUIS HOME LOANS

    Hello to All across the globe, I am Nancy White , from United State Of America, USA. I am a single mother of four kids and I was stuck in a financial situation and I needed to refinance and pay my bills. I tried seeking loans from various loan firms both private and corporate but never with success, and most banks declined my credit ,do not fall prey to those hoodlums at there that call them self money lender they are all scam , all they want is your money and you will not hear from them again they have done it to me three times before i come in contact with Landon Luis Home Loans the most interesting part of it is that my loan was transfer to me within 72hours so I will advice you to contact Landon Luis Home Loans if you are interested in getting loan and you are sure you can pay them back on time you can contact them via email……… (landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816 No credit check, no co signer with just 2% interest rate and better repayment plans and schedule if you must contact any firm with reference to securing a loan without collateral then contact Landon Luis Home Loans today for your loan

    They offer all kind of categories of loan they

    Short term loan (1_10years)
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    *Property Purchase loans………………. Home loan…………., Business loan……..
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    Email……….(landonluishomeloans@gmail.com) Phone: call/text+1 +1 (929) 377-6816
    When it comes to financial crisis and you need to be free from financial crisis then Landon Luis Home Loans is the place to go please just tell them that Nancy White direct you Good Luck….

  • Victoria Wyatt

    I came across a white ethical hacker that help me fix my school grades and I owe him a lot for changing my grades, believes me everyone has an equal opportunity to feel great in life, I love his hacking skills and his response are fast, I took it upon myself to talk about him, in case you are really looking for a legit hacker to help change your grades contact this mail address below (DPROTOCOL7 at GMAIL dot COM)

  • Nicolas Freeman

    I was virtually debt free until after finishing my MBA. I worked hard all through school, but once I got out I had a difficult time finding work. The credit card bills and loan payments started stacking up, and I just couldn’t meet the minimal requirement. It was a scary time for me, but after hearing positive review I contacted the experts at TROJANVIRUS212 at GMAIL dot COM. They were patient and thorough while trying to sort through and reverse the damaged I’d done to my credit. We highly suggest them to anyone who’s gotten in a financial bind.

  • May Cooper

    Hello,
    I want to tell you about a credit company that helped redeem me, I had a major
    setback because my score was miserably low, things became worse because of the
    evictions, IRS and liens in my profile, until
    my cousin introduced me to SKY CREDIT
    SOLUTION , they made it better, they literally gave me my life back, my
    score is 760, my profile is alright. For various forms of credit upgrade, no
    matter how low the score is, the one and only answer I know is SKY, they are 100% legit. Everything is
    looking up for me now, hit them up via SKYCREDITSOLUTION247at GMAIL dot COM . You should
    contact them now…

  • Luisa Nils

    Working with TROJANVIRUS was an experience because I did not know much about credit repair and they helped me in understanding what was affecting my scores and how they were able to fix it up, today I have a 790 credit rating and before that I was at under 400 within 3 months that’s incredible I had an above average score and my agent advise me that is only the start it will go further, work with a team that is committed and will give u results at TROJANVIRUS212 at GMAIL dot COM

  • angela woods

    I recently retired, my credit score was around 472 I had eviction, filing, late payment and high outstanding debts on my credit history. I couldn’t get approved for a car and house loan nothing, it was really terrible for me and my family I was at a convenience store trying to get a few stuffs, when I overheard some guys talking about Ghost Fixers a credit specialist. How he fixed their credit and gave them a high score of 800. I jumped into their conversation and I explained
    my situation to them. They gave me he’s contact; GHOSTFIXERS4@GMAIL.COM I contacted the
    expert he replied immediately giving me he’s direct number; + 1 424 276 8728 to text him. Where we had further
    discussion he also collected a couple of info from me and gave me some instructions. which I followed up and within 8 days my credit was fixed and I was qualified for everything all thanks to Seth the Credit expert you can hit up for similar experience.

  • Julian Cold

    I worked for a major credit reporting agency and you won’t believe how many Americans are affected by poor credit, and how simply they can help their own situation. Do you not watch the news? People think that the banks are on their side, but in fact they’re trying to keep credit scores low so they make more from interest payments – wake up people! Mine was also affected until I got in touch with (DPROTOCOL7@GMAIL.COM)…I told him what I wanted him to do and he got it done. He is fast, reliable and charges Low, get to him today and be happy you did.

  • Joshua Mancera

    Thanks to OCTOPUS CREDIT SOLUTION for saving me from untold hardship and shame. A close friend of mine referred me to a hacker (Jason) to help me fix my credit, after narrating how they helped him out with his credit issues. Obviously, my credit got damaged when some collections, late payment and other negatives were found on profile. I needed to apply for a mortgage but these negatives hindered me after all my research, I consulted them and the negative items and hard inquires on my report was cleared, approximately 14 business days. I have three credit cards and my fico score were 442, 560,686 and later increased to 682, 704 and 792 respectively. I was skeptical initially about contacting them, but as you can see, they delivered the job as when due. They are trustworthy. Here is their contact: OCTOPUSCREDITSOLUTION@247GMAIL.COM.

  • Natalie Ross

    It is not so usual of me to refer professionals online but I feel like I owe a lot to DPROTOCOL who helped me upgrade my credit score and fixed my credit report within 3days. He works with discretion and deliver without charging outrageous fees. He increased my credit score to 796 and removed 9 negative items on my report which prevented me from getting a mortgage to get a house for my family. Now I’m typing from the comfort of my home, all thanks to him… You can contact him through his mail on [DPROTOCOL7 at GMAIL dot COM] . Give him a trial and you will be convinced

  • Williams Franklin

    When I first heard about TROJANVIRUS I heard many Positive things about them. At first I was scared because there is a lot of personal information that is required for a person to give. I proceeded with the giving of my information and they did a soft pull on my report within 72 hours. My score was exactly 511 but I can boost of a high 796 score, all thanks to their great hacking team on; [TROJANVIRUS212 at GMAIL dot COM]

  • Susan Patrick

    Couple of weeks ago my Husband and I needed to our fix credits, so we contacted DPROTOCOL the credit expert although he was recommended to us by an old friend Gerrard. We explained to him about the negative collection, old information, credit report, student loans on our credit profile, the total debt of our report was $11,000. He helped delete all negative items, collection, and student loans old information on our credit profile within 6 working days. Our score of 563 and 496 was raised to a high 796 and 790. We recommend him to everyone out there seeking for credit solution. We are grateful to him and this is our way of showing appreciation, you can contact him on: DPROTOCOL7 at GMAIL dot COM

  • Joe Kings

    I know this name Wesley. He really helped boost my credit score. Thanks to him

  • James Mcfadden

    Hey Guys,
    About 2 weeks ago I tried getting a loan from the bank to buy a house for me and my family, but I was not approved because I had a poor credit. I went in search for an online credit repair expert and saw some good comments about aceteamhackersAT GmailDOTcom , I contacted him and he got my information and removed all the negative items on my credit like debts, evictions ,school loans, 2 hard inquiry and increased my credit score to 800 on all 3 bureaus.

  • James Lincoln

    Greetings everyone, Welcome to the month of
    June. My heartfelt gratitude goes out to XYLO CREDIT for the time spent fixing
    my bad credit. I am very happy seeing my credit score
    increase so significantly from 400 to 800 within 15 days. It’s unbelievable and
    simply amazing. The good service I earned from them rebuilt my credit. Never, has my credit score experienced such
    magnificent treat in the past years. I highly recommend XYLO
    CREDIT to everyone! Get in
    contact with them today and get excited having a good credit email or text (XYLOCREDIT@GMAIL.COM, +1 346 277 9351)

  • Jace Wilson

    Guys I want to introduce OCTOPUS CREDIT SOLUTION for your credit
    repairs. They are the fastest, legitimate and the most reliable credit repair
    company that I know. Two months ago I had terrible experiences with a credit
    repair company that scammed me. I discovered Octopus Credit Solution online
    when researching for trustworthy credit repair agency but was skeptical about
    contacting them considering my ugly experiences. After all considerations, I contacted
    them and they increased my credit score by 200 points and also removed all
    negative stuff and hard inquiries from my profile. It sounds unbelievable
    right? I advise you check them out. Contact them via OCTOPUSCREDITSOLUTION247@GMAIL.COM
    / (770) 799-8509

  • Austin Marcos

    I’m happy to share my experience with you guys on how I got my credit fixed within 14 days. I almost lost my mind because I couldn’t foot my daughters’ medical bills. My credit was as low as 513 and was also struggling with some derogatory items on my credit report that I needed to get rid of and it has been there for over 6 years. On the course of finding solutions to our problems, my wife discovered OCTOPUS CREDIT SOLUTION online and after then, everything changed. They helped us after narrating our predicaments and also meeting their demands. They cleared evictions, student loans, collections and late payments and also upgraded our score to 750s and 790s from 492 and 516 which was confirmed by the three credit bureaus. I strongly recommend OCTOPUS CREDIT SOLUTION to anyone who genuinely needs help. You can write them now on OCTOPUSCREDITSOLUTION247@GMAIL.COM or (770) 799-8509.

  • venessa Ross

    I needed help with repairing my credit, as far as best strategy and I already paid another company a lot of money to help and they really couldn’t do anything to improve my credit, so it was total waste of time and money. I recently read an article that had the email and number; COMPUTERWAREHOUSEGROUP1@GMAIL.COM, and they are called Computer Warehouse Group. They were well spoken of so I hired them with my fingers crossed. I related my credit issues to them and they promised to help. After a couple of days, they deleted all the collections, student loans and medical bill showing on my public record and on my profile. They also raised my score to 793. That was like a complete relieve for me, I am grateful for their good job. You can email or call them if you need help fixing your credit.

  • George Mason

    I misheard and applied for a kohl’s credit card, when I thought it was a membership card sort of deal. We canceled the transaction and started a new one so there was no balance on the card. I immediately called and had the card and account canceled. I read that there was a hard inquiry which affected my credit score dropping a couple pints. This was very severe as my score was going below 580 and I was about to purchase a home. I needed help quickly I wanted the inquiry removed and my score raised. So I got introduced to this American cyber specialist called George Mason of (Creditfixer97@gmail.com) who helped me get it expunged and taken off my credit report. He eventually raised my score to high 700s (776). And after I completed payment for the job, he verified it across all 3 credit bureaus and the changes became permanent. All these took place within 3 working days to get it completed. I was so glad when I finally bought a home in Beaumont, TX and moved in with my fiancé. I can’t keep this secret to myself. I believe someone out there deserves a better life with a good credit health. Email him on his work mail creditfixer97ATGMAILDOTCOM

  • Margaret Scott

    For so many months working with sky blue credit repairs i still had challenges till my company manager introduce me to this hacker.I am delighted to say that after 7 days of utilizing his service, my credit score is now 800. Communication was superb and being able to monitor the improvement monthly from my user account has made making use of his service an enjoyable experience. Highly recommended to anyone who needs it. You can contact him here elseanautocardfix@gmail.com or (360 551 4455).Thanks for the hard-work.

  • arcellano stacy

    based on credit scoring procedures i’ll say,you should be in absolute control over your credit score, no matter if it’s in the low 400’s or high 700’s. The cost of poor credit is massive. You get to pay higher interests on loans , require larger down payments. The game of credit scores never ends. You might have an 800 credit score one week and a 600 the next. but i met a credible ethical hacker online, his contact email address QUADHACKED at’ GMAIL.C O M, and since then i’ve kept him close. He deletes any form of negative items (eviction, medical bills, bankruptcy, student loans, judgments, etc.) on reports and replaces them with good trade-lines (mortgage tradeline, revolving credit cards, installment tradeline, auto tradeline, etc.) that will help boost your score more effectively, efficiently less costly, and dispute some negatives . He adds or removes almost any info on credit profiles. Contact him today For relative hack services and you will be glad you did QUADHACKEDat G M A I L . cC O M

  • Joseph Moses

    Thanks a million times ACTION CREDIT SOLUTION for helping me increase my credit score from a low 520 to a high 798 which was confirmed by the three credit bureaus. Thought it was a joke when they promised to fix my credit within 9-14 business days, though I was skeptical about the offer but later gave in and they delivered as promised. My credit card debts, late payments and hard inquiries were cleared and some positive trade lines posted to my credit profile. This has really changed my life and felt it’s expedient I share this good news. The idea was to fix my credit and secure a mortgage loan and now have a home. Contact them via ACTION247CREDITSOLUTION@GMAIL.COM OR (737)-201-7316. Joseph Moses

  • Celina Morgan

    My name is Celina and with so much happiness I`m pleased to strongly recommend Wesley Credit Repair for all credit issues. When I needed help repairing my credit, Wesley came through. He assisted me to erase all negative info on my FICO credit report and increased my score to 820 and added some good trade-lines to my profile. His services are very fast and affordable. Contact him on WESLEYCREDITEXPERT@GMAIL.COM to get your credit fixed.

  • Andrew Silva

    If you want a clean and fast job on raising your score and clearing debts please contact DPROTOCOL on DPROTOCOL7 at GMAIL dot COM. He is cheap and reliable and because of his good work I am able to get a new car. I’m so happy, Andrew is my name.

  • Natasha Greg

    I’m so delighted to share this piece of information. My name is Natasha Greg from new jersey. I was most miserable realizing how bad my credit was. I had some charge offs, late payments, student loan, and hard inquiries and was desperate to remedy the situation so we could get a home loan. My friend Naomi directed me to OCTOPUS CREDIT SOLUTION and of a truth, they are worth doing business with. They did not only remove negative items and hard inquiries from my credit report, they also removed late payments and hard inquiries from my husband’s credit and also increased our score to 780s. There is a great joy and happiness in our family. All thanks to OCTOPUS CREDIT SOLUTION. Here is there contact in case you are interested in their services; +1(770)-799-8509 or email them at OCTOPUSCREDITSOLUTION247@GMAIL.COM.