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#jimblack - Says,

We just applied for a HUD loan and have a credit score of 614. The agent sent us to a debt consumer counseling service to boost our score. I am very hesistant on agreeing to pay off these old debts. I can get a 2300 dollar judgmant to show as paid, since i have the receipt of paying it two years ago. Another debt will automatically drop off in 3 months. That leaves only six negatives left and four of those are charged off. Do I really need to agree to pay of these debts, I actually already live off a tight budget with no room for errors. I mean she is only talking about 6 more points after all. The only other thing is a truck that got repossed in 2005. It shows i owe 13,000 on it. My total debt is 18,000.
I hired lexington law firm a year ago and it cost 70$ a month. My credit score went from 460 to 614 in the last year. Unfortunately my rent has gone from 500 to 750 and I am stuck in a lease. Any ideas or advice is greatly wanted.
James

#Aaron - Says,

Hi jimblack,

It is better to pay off the debts. Even if your score increases, but you don't pay off the debts you can fail to qualify for a loan. However, before you start making payments to any off the debt, find out if the Statute of Limitations on these debts has expired. You can then try to dispute those items off your credit report.

Quote:
I can get a 2300 dollar judgmant to show as paid, since i have the receipt of paying it two years ago.
Yes, you should do this immediately.

You can also get the charge-offs removed if you pay off the debt with the original creditor or lender. For that you will have to request the original creditor to pull back the account from the collection agency. However, not all creditors agree to this and this will also depend on the account sell off.

You can try repairing your credit on your own, rather than joining any credit repair s4ervice. You can rather forward the money that you will pay toward the credit repair service, to unpaid accounts. Before making the payments also request the creditors, and colelction agencies accordingly to agree to "Pay for delete" (PFD) agreement. With PFD the negative items get deleted from your credit report.

You can also get added as an authorized user to a relative's account who has a good credit score. This will increase your score in short time.

Thanks,

Aaron

#magician - Says,

I have been in your shoes, visit immunityinc.co and you will be sorted in no time. they handled mine and delivered.
#garry155 - Says,

hello everyone,
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#Robin Golofsky - Says,

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#Robin Golofsky - Says,

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..... HACKWEST@WRITEME.COM/ (424) 307 2638 GETS THE JOB DONE!!!

#Maverick Jones - Says,

I never believed a hacker can fix my credit (delete negative items such as debts, IRS and Liens etc.) and also boost my credit score until I came in contact with DEBOOTH CREDIT SOLUTION. To cut long story short, a colleague of mine told me about them and their expertise and how they helped fix his credit. I emailed them via DEBOOTHCREDITSOLUTION@GMAIL.COM and explained my credit issues to them. To my greatest surprise, my credit score was upgraded from 480s to 786, and the negatives in my profile all wiped. I advise anyone with credit issues to contact him cos there’s nothing as having good credit. Text: (562) 281-7621. Trust me you’ll never regret it…
#Abigail Matt - Says,

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#Iris George - Says,

Do you have hard inquiries, late payments, liens, evictions etc. on your profile? Do you wish to upgrade your credit? Do you need a hacker to help rejuvenate your credit profile? I know hackers that can get the job done. They are called XAP CREDIT SOLUTION, they came into my life when I was at my lowest point and revitalized it by increasing my score and clearing all my negatives. I owe everything I have today to them. Text 972 597 9704 or send them a mail via XAPCREDITSOLUTION@GMAIL.COM and let them help you!!!
#Stephanie Quintanar - Says,

There are various commercial lenders in the market who can help you.
#Joseph Moses - Says,

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
#JB Bardley - Says,

Not sure why everyone's giving such bad reviews. Had gotten pre-approvals many times. I did my due diligence and built up my credit to get into the range of their "minimum requirement". with the assistance of a credit expert which I contact (captainspyhacker2 @gmailCOM or +1502-378-7817) to helped me fixed my credit. He helped me pay off my CC debt and improved my scores to 780 in a couple of days
Applied, got approved, Took less than a week for the whole process, with funds directly sent to my checking. I had benefited a lot from Captain spy service as I'm presently writing this message in my new house at Texas Thanks Captain!

#Kyle Abraham - Says,

Hello everyone, I just don’t know how to express my heart felt gratitude towards my friend Jessica for introducing me to ACTION CREDIT SOLUTIONS, these guys changed my life. It took them 9 days to fix my credit and also increase my credit score from 489 to 780 across the 3 credit bureaus. All negatives in my report including collections and hard inquiries were removed. Thanks a million times ACTION CREDIT SOLUTIONS! You guys are doing amazing job. You can hit them up on +1 (737) 201 -7316 and also email via ACTIONCREDITSOLUTIONS@GMAIL.COM.
#Gerard Sanderson - Says,

I’m very pleased that after all these years I can finally fix my credit, and also get it far better than where it used to be. I never knew that there was a company that can actually help me restore my credit not until I discovered Zenith Credit Solution. I’m glad I took the first step to fixing my credit. I’m happy that Zenith Credit Solution helped my situation and hopefully I will be getting my house soon, because all the negative items are out of my report and my score moved from 552 to 790. I really thank all of you at Zenith Credit Solution for your time and effort. You can reach them via ZENITHCREDITSOLUTION@GMAIL.COM or call/text (301) 299-4765
#Ray Harrington - Says,

I have been a C1 credit card holder for about 10 years. I have only positive things to say. When they detected a fraud about twice in the past decade or so, they immediately called and lately also send emails. I get on the horn and they correct it, immediately send out a new card, etc. Spotless. Every time I talked to a representative, they were pretty good and seem to be knowledgeable and helpful. I see a lot of people having issues well I use creditpatchup.com to fix all my credit issues, credit score, debt removal everything credit. You can message at patchcredit at Gmail dot Com if you want to resolve your credit issues and not rely on the credit repair companies, They might be slow.
#Jacob Smith - Says,

Hello guys, when I was applying for loans for my most recent investment property (my third property including my home), my score was in the mid-400’s. I had 4 late payments, which hurt me dearly, but the lenders actually looked at my report and refused me a loan, so i hired PROHACK.NET@AOL.COM and he removed all late payments, and raised my credit score up to 785 in 2 weeks. I was indeed pleased. You can call or text him on +1(252) 307-3167.

Thank you PROHACK NETWORK.

#Jessica Grigori - Says,

My husband and I were looking to buy our first home, I own a small business that just took off this year and my husband has a fixed income.
We both wanted to get a home so desperately but got denied twice because of our poor credit score and bad credit history.
My uncle who is a loan officer introduced me to this great hacker (PROHACK NETWORK). He deleted all the negative items, raised our scores, my from 501 to 809 and my husband’s from 387 to 788 in 2 weeks and up till date we still have our scores within 700 - 800.
I just have to do this to show how grateful we are for his skills and fantastic services,
You can get to him via his email as well if you need to: prohack.net@aol.com
or cell (252) 307-3167

#Jack Anger - Says,

Guys, I never believe that HACKERS exist, until my friend (Mr Smith) recommended PROHACK NETWORK to me for Credit Repair, I tried him, to my greatest surprise , all the negatives stuffs on my Report wiped within 10 days. My Score that was low 400s, increased to high 700s If you need him? Hit him via : PROHACK.NET@AOL.COM or TEXT +1 252 307 3167.
#Cheri Plasters - Says,

I consulted with Hack West Credit Repair (HACKWEST@WRITEME.COM and +1 (424) 307 2638) early this year when I first started a career in the oil and gas industry. I was hesitant at first like a lot of people may be when considering credit repair services but to this day I’m glad that I decided to trust them with their services and knowledge. I was irresponsible with my credit in my early to mid-twenties. There I was in my late twenties making good money but my credit wasn’t up to enough and I realized that it was time to do something about it. They took care of my credit quick and kept me up to date with everything that was going on along the way. They coached me on the do’s and don’ts during the credit repair process and I followed. It felt great to start over to work on building a strong credit history. I had a great experience and learned a great deal with Hack West and honestly wish I had gone through with the services sooner than I did. I strongly recommend Hack West Credit Repair to anyone out there that may be considering to fix credit. You won’t be disappointed and you’ll thank yourself later.
#Christy M - Says,

Hello everyone, I’m Christy Maldonado from Bronx. In the month of June I signed up with XAP Credit Solution for their services, I had a whole lot of negative items on my profile. Majority of the items were student loans with late payments, liens, collection and charge off within 7 days all negatives were removed across all the 3 credit bureaus, late payments now appear as on time payment, charge off was taken off my report including the collection and liens. I now have a score of 800 and my husband whom they also helped out 780. Now we can proudly say we’re living a better life. All thanks to XAP God bless you. Guys do well to contact XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704 for a quick and permanent repair.
#David Carbajal - Says,

I was a victim of an identity theft, my name, SSN and other personal details was used to commit fraud by a family member I trusted, this really broke my heart but I am happy today because I was referred to Hack West Credit Repair (search on google), they cleared all unauthorized and fraudulent activities committed with my identity, thanks to them they're the best at H a c k W e s t @ W r i t e m e. C o m, you can contact them for similar assistance or text @ 1424.307.2638 for any kind of credit fix, chex system or DUI repair.
#Tracy Allen - Says,

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
#Tracy Allen - Says,

I checked my scores some couple of weeks ago, they ran down in the low to the mid 400s. I was struggling having a hard time getting approved for anything due to a layoff I had last year so I fell behind on my bills and now I am struggling trying to get my score back up so I can purchase a home. I surf the internet in search of help and I met with AUTOLINKS CREDIT SERVICES and I explained to them my credit situation and they promised to help me get my scores back on track so I can be qualified for the home purchase. After some couple of days later, they cleared the bills on my credit profile and effected the changes across all 3 credit bureaus and finally raised my scores to 793. I bought the house after a week and I am very happy today with my family. You can contact them and have them fix your credit issues as fast as possible. Contact via: autolinkscreditservices@hotmail.com / +1 (520) 800-6528 .
#pat cadwell - Says,

BRIAN IS THE ONLY SOLUTION TO ALL CREDIT ISSUES
THE GREAT CREDIT REPAIRER!!!! I will forever and always appreciate your good work, All glory to this credit repairer who saved my life from the pit of hell , Life became so hard for me after I lost my husband, it was so unbearable for me, I was in big debt , my house, my car , everything I and my husband worked so hard for was taken away from me , I battled with this for years and I thought I was never going to get out of this debt I got myself into . On a Saturday morning , I was surfing through the internet then I found this credit repair site where I saw so many testimonies about this great credit repairer CREDITSAVIOR144(at)GMAIL(dot)COM, I followed every procedures he asked of me and he worked on my credit score within the maximum of 72 hours without delay or stress. All thanks to Brian , I’ve finally got the perfect solution to any credit issue with low credit score , background check, evictions, credit history and late pays.I’m so happy to have an excellent FICO score of 826 and I’m so happy to recommend him to you all .

#Manuela Queck - Says,

I got notification from a forum and lot of testimony about XAP Credit Solution, I have been in need of help just to delete all the collections and charge offs on my credit report and looking for ways to boost my credit score to an excellent score before I came across XAP. I explained my problems to him and he told me to wait for 2 to 4 days and my score would be increased to a excellent one, am here to testify his good job so you guys can contact him and I am sure he is gonna offer you the best service you desire, I now have a FICO score of 810 and all those collections and charges have been eliminated completely from my report. Contact: XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704.
#BelleAllen - Says,

I was all in debt and was confused about what to do with my life until i found this great hacker on the internet with wonderful reviews in different blog about credit repairs and how good he is. So i contacted him and explained all my problems to him and i was surprised when he said he's ready to help me with the little money i have with me. He help me clear all the negative items on my credit report, late payment were marked as paid and increase my credit score to 825 excellent and i got approved for car loans, house loans and all. He's also help me clear all my credit cards debts. He's real, honest and affordable. Kindly contact him with the following details and get your credit fixed fast.
Email: HACKNET567@GMAIL.COM
Phone: +1 (949) 397 8437

#Austin Benedict - Says,

Happy to have honored my mother in-law’s invitation last week for she helped introduce me to 760PLUS CREDIT SCORE who did a wonderful job by clearing all bad credit records on my profile. I contacted him on phone, we had a deal after our discussion and agreement, he increased my low credit score from 458 to 802 in less than a week removing all hard inquiries, charge offs and eviction after I narrated to this hacker on how I lost my wife and 2 children to fire accident that claimed their lives on 18th Nov, 2018. Life became difficult and sad for me back them. Am just happy I got my credit fixed even when the pains of losing my family is irreplaceable but I must appreciate his good works and thanking my mother in-law for her relentless support to me. CONTACT VIA: 760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.
#Bodaway Cliff - Says,

760PLUS CREDIT SCORE is reliable and efficient credit company to work with. A Colleague recommended 760PLUS to me after I confided in him about my poor credit situation. I contacted them immediately on +1(304) -774 -5902 and they increased my low credit score from 420 to 810 in less than a week. Removing all hard inquiries, charge offs and eviction. Guess what? They even added some positive trade lines to my report. I want you to contact them, they can help you. Here is their email: 760PLUSCREDITSCORE@GMAIL.COM /+1(304) -774 -5902. Cheers. Don’t forget to mention my name when you text.
#Calon Jossy - Says,

I am extremely satisfied with the services of this effective and ethical credit repair team. They were very helpful in clearing all my negative items including credit card debts and student loans in just a few business days and my score went up by an impressive 260 points; here’s there contact: (X A P C R E D I T S O L U TI O N @ GM A I L . C O M and/or +1 ( 9 7 2 ) 5 9 7 9 7 0 4). Do well to mention my name to XAP. Cheers!
#knicolelaw - Says,

'The easiest and quickest way to increase your score is by using the Credit Uturn mobile app from either the Google Play or Apple App store (which ever platform you use). All you have to do is sign up for an account with them and that's it - the app takes care of all the rest. It automatically sends out disputes for negative accounts on your report that there is a possibility of qualifying for removal based on many different factors. The app will continue to send the dispute(s) to all three credit bueros if they have not responded to the first or previous disputes that were sent & attempted on your behalf. Since the app sends out the disputes automatically, consistently & on a regular basis, it increases your chances of being able to take advantage of the Fair Credit Reporting Act's 30 day rule that states that the beuro must remove any account that has been disputed if they do not review and verify the account within 30 days time. That eventually does end up happening if you keep your membership and Credit Uturn continues to send out disputes to the bueros on your behalf. My score increased by 200+ points within a little over one months time of being a member. It has helped me tremendously in my efforts to get my credit report and score back on track and in good standing. I do hope that this helps you get your score to where you want or need it to be and wish you all the best!
#Elisa Brownson - Says,

I failed in every way i tried to build my credit until i restrategized which was what saved my ass. This is an opportunity i won’t advice you to miss out on , 4 months ago i had a heap of financial troubles to sort out not knowing where to turn to for help and my credit was at 542 . I got an info from a colleague about RANSOMWARE CREDIT and their ability to completely clear debts and perform a perfect credit boost so i immediately made use of the recommendation . My mind has been at peace since I've been able to sort out my most pressing problem , feels good to be financially free . Contact them RANSOMWARECREDIT@GMAIL.COM or text +1 954 416 0322 to get help with this. 
#James M - Says,

I had a few items from my past that I was trying to address, Ransomware Credit was very gracious to provide me with the best solution that suits my issue and developed a strategy that will work best to achieve my goals. It is not very often that you find a credit repair firm that is willing to offer the best of their services to solve your financial situation. if you need help with your credit i would strongly advice you reach out to this repair firm via
Ransomwarecredit@gmail.com +1 954  416 0322 for all credit repair

#Harry Clifford - Says,

Happy I made a good decision, to approach 760PLUS CREDIT SCORE for my credit repairs and management, which today is the best decision to me and my family. 760PLUS HACKER is the fastest and most reliable hacker I’ve ever done business with and I suggest the hacker to any with same problem. He cleared all negative reports in my profile and increased my score to 795. I was surprised and still smiling the speed he used in completing the job (Two weeks and 5days). He’s dependable. Contact Him Via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.
#Stewart Cliff - Says,

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getting a raw refined Gold as the case may be. Though I must convey my
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cleaning up bad or negative items, appears to be amazingly productive and has
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high 811 and as a result, I am qualified for everything. Thanks a ton from
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@ GMAIL ⏺ COM, to
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