Cease and Desist letter - A legal letter to the creditors             Click here to Print



#Richard - Says,

You can send a Cease and Desist letter to the collectors requesting them to stop calling you. Below is a Sample Cease and Desist letter (CND letter).

Your Name __________
Your Address __________
Your Phone # __________


Collector's Name _______________________
Collector's Address _____________________

Date ________________________

Dear Sir or Madam,

Re: Account Number ____________

This is a request to Cease and Desist any further collection attempts on the debt referenced above. I would prefer working with the original creditor.

You are therefore apprised, in accordance with state and the federal laws, to cease all collection attempts immediately or face legal action.

Sincerely,

Your Signature ________________

Your Name ________________

#goodnatured - Says,

Great example, I am sure that a lot of people will use this cease and desist letter.
#sdchargers_63 - Says,

I like this letter. Can you, 'LEGALLY, do anything, if the CA CONTINUES to call, AFTER receiving this letter?
#goodnatured - Says,

I am sure that if they continue to harass you that you could get them for violating the law, it probably states on the fair debt collection web page, most of the laws are there and they tell you what to do if they are violated.
#Morningstar - Says,

Code:
they tell you what to do if they are violated.


Like getting a lawyer.

#Laura - Says,

I agree here. A lawyer will be required for further help. Violation of law which happens random enough, needs strictly legal steps to be taken against them. So a lawyer is the most required individual here.
#goodnatured - Says,

You will see a lot of group lawsuit, class action suits come off this way.
#fireyone - Says,

Thats what needs to be done. Lawyers are expensive and most of us wouldn't be in this situation if we had any.
#goodnatured - Says,

Most attornies will take class action lawsuits on a contingency plan, if they win they get paid. So they make sure they only take on the ones that they think they will have luck with.
#fireyone - Says,

Can't say I blame them. I imagine something like this require work.
#Justin - Says,

Not about blaming anyone for being expensive. They do the legal work and hence its okay if they charge money. Well a class action lawsuit is a good idea. I think I came across a thread where a participant welcomed people to take part in such a lawsuit. Kudos to them to dare to do things.
#fireyone - Says,

Kudos indeed. That is actually a pretty good idea. How else can you get others to jump in and take action...by advertising. I like that idea.
#goodnatured - Says,

Some just don't follow through, I put my name on a list for CACH, LLC, haven't heard a thing.
#fireyone - Says,

It would be nice if they did. The harassment is sometimes too much to deal with from these companies.
#goodnatured - Says,

Tell me about it, they really go overboard sometimes, to the point of harrassment, it does cause a lot of stress on peoples live, they don't really care what affect they have on people at all.
#Guest - Says,

I too agree you goodnatured, the harassment sometimes become intolerable.
#fireyone - Says,

I do not get their harrasment theory. People who have debt already have enough stress. Do they really think that having someone treat them like a dog is gonna get a payment. When I had one calling me who acted rude I just quit picking up the phone. It really doesn't get results.
#CMBV22 - Says,

Harrassment is illegal under the FCRA and a quick CND letter to the CA will slove that problem.
#fireyone - Says,

This could be only a tekp. fix especially if they really have a legal leg to stand on.
#goodnatured - Says,

They know that most people will not pursue legal action against them. I did not even know that legal action was possible until I started visiting these forums, they can be as rude and as obnoxios and threatning as they want to be as long as people don't do anything about it. How can people do anything about it if they don't know that they can?

It is good that we have places like this to come and learn about the laws that govern these collectors, but really most people are clueless.

#CMBV22 - Says,

While I agree with Goodnatured about the importance of knowing your rights. I disagree with fireyone, There is no legal leg that allows bullying or harrassment. Generally, letters to the FTC or your local AG will clear that problem right up.
#carol - Says,

I too think that if the CA harass you, you can file a complaint with the FTC under FDCA. You can also sent a cease and desist letter to the CA under Section 805 of the Fair Debt Collection Practices Act as CMBV pointed out.
#fireyone - Says,

Thats at least good to know. I just meant that if they thought they could legally collect on a debt that was within statutes you bet your booty their gonna harass you even more. What really stinks is when you do think you have rid yourself of the problem and quit answering calls they just go and sell it again and here we go all over once more. I know that I owe the debt but I would have paid it if I could. They add on all that crap interest that puts the bill into the high heavens.
#CMBV22 - Says,

fireyone
I know what you mean. I just posted a thread about a CA that called me today not only failing to mention that she was a CA but talking to me like I was a POS. Within 20 minutes of hanging up on her I had drafted a DV letter, filied officail complaints with the CT DOB, FTC and CT AG. Something tells me that they will be on their best behavior from no on Wink

#goodnatured - Says,

Sometime you have to file all the complaints right from the start, that way they know that you mean business. I have done this in the past.
#scott - Says,

Debt validation letter is what I think is one of the most powerful weapon in these cases. Because until and unless they validate your debt, they cannot force you to pay it. But still if they harass you, you can always file a complaint with the FTC and the AG. And if they validate your debt, you can always come to an agreement for settling your debt along with a PFD agreement.
#goodnatured - Says,

Great points scott, hopefully people will come here and read the posts and get these letters out to these companies.
#erb1953 - Says,

Yes, and I think the sample letter at the beginning of this post is stated well and gets to the point.
#fireyone - Says,

What I can not figure out is why the call you constanlty for like weeks and then all the sudden for a couple months you hear nothing. My phone quit ringing for a while and it started recently again. I tried the cease and desist with a couple of the other persons who use to live here's Collection agencies plus spoke to them personally about the matter so far nothing has woeked or they resell the debt and it starts again.
#erb1953 - Says,

I like the few months between when they are not calling, all that peace and quiet, huh and then you pay for it when the calls start again.
#Guest - Says,

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
#fireyone - Says,

Isn't that the truth? I wonder why they quit for a while. Usually I find that when they do this my account has been sold for the umpteenth time and its a whole new collector to deal with.
#CMBV22 - Says,

I would also be nervous about any abrupt stops in calls w/o a FOAD letter. Although I can never figure out why ppl don't send one to every CA who calls.....
#fireyone - Says,

What is a FOAD letter. Not really good with abbrev..yet. I always thought contacting them with any type of letter would make them contact you even more. Any time I have tried to get rid of them they usually sold the account and it started all over again. At least if I ignore them I get that little break here and there.
#goodnatured - Says,

Me either what is FOAD?
#fireyone - Says,

I was hoping for an answer here. It really has my mind boggled.
#goodnatured - Says,

I am sure that some one will be along and answer soon
#CMBV22 - Says,

LOL FOAD is short for F*@$ Off And Die,it is bascially a CND letter. Also, if anyone you send a FOAD, CND letter to continues to contact you, it is grounds for a harrassment suit.

Now, keep in mind that if they have a legit reason to contact you and you send them the FOAD letter, While they cannot contact you anymore they can still report to CRAs and possibly start a lawsuit.

This is why you will want to limit your FOAD letters to CAs past the SOL or who have been unable to validate debt

#fireyone - Says,

I like that. I had to laugh myself. Boy you are really teaching goodnatured and I some things. Thanks
#CMBV22 - Says,

LOL sure, anytime Smile
#fireyone - Says,

Hey good natured did ya read this one?
#carol - Says,

You can find a FOAD letter in this forum itself. I searched and found one. Here is the link http://www.creditmagic.org/repair/7years-old-collector.html .
FOAD letters can be used when a debt has crossed its SOL period and is no longer collectible but the CA still harass you for the debt. This letter is generally send to the CA to warn him that he is violating the FDCA act and you are likely to file a lawsuit against him if he continues disturbing you.

#erb1953 - Says,

Oh my god, I never would have thought that, LMAO, I wonder if the collectors read it like that, ha, ha.
#fireyone - Says,

That is a really good example of of FOAD letter. Have to keep that one in mind.
#goodnatured - Says,

You are going to be able to find any letter you need here soon, building up quite a library.
#fireyone - Says,

Isn't that really awesome. Not only building up the library but the other places you can go if you can't find what your looking for. Example : like cmbv home page and other places people refer you to.
#goodnatured - Says,

That is a great idea, a list of most used resources and list the letters and websites under that link.
#fireyone - Says,

It really is helpful to the unezperienced credit person. You know how lost we both probaly was when all this scary stuff strted coming around. To have info like this is really great.
#goodnatured - Says,

I felt all kinds of emotion when the collectors started calling, I had fear of what they could do, they were so nasty and forceful and then when they started threatening me, I finally got mad and that is when I came here. I have never looked back. I am glad to have found this site and the debt site. They stopped being so intimidating as I learned the laws and started giving it right back to them.
#fireyone - Says,

You are right about the many different emotions. Usually when I talked to them I felt more intimidated than anything. Sice coming here and becoming part of the forum that intimidation is no longer there.
#erb1953 - Says,

You feel more confident when you know that you are not alone, you can come here and get all the support that you need to fight the collectors.

I have a question for you guys, I have not been here in about a week, it seems as if my posts are worth less and less, are you guys finding that to be true also?

#goodnatured - Says,

I think that statement says it all, there is safety in numbers and some how we have all connected and even when we are alone at home and the collector calls, our invisible group is there and we display the courage needed to fight back.
#anthony - Says,

Actually credit is a vast subject and the collection agencies take advantage of the people who actually do not have any knowledge of how to repair credit. So if you have proper knowledge of credit, I think you will be in a better position to deal with the CAs. Debt validation is the most important instrument to deal with the collection agencies and to stop them from collecting debt if they cannot prove that they have bought the debt from the original creditor.
#fireyone - Says,

This is true. I believe we all find inner courage to stand up to these types of people when we have other in our corner going through the same thing. As per your question ERB I asked it on another post. I noticed the same thing. I will have to see if I get an answer and If I do I will let ya know. I am going to check the pub a nd see if we missed something.
#goodnatured - Says,

That is what we are all here for, to support each other.
#fireyone - Says,

Best support network around.
#goodnatured - Says,

You got it.
#fireyone - Says,

They need to have these kinds of group meetings around are neck of the woods. Kind of like AA. Probaly find there are more people in need of help and support because of debt than drugs and alcohol. Debt is proba;ly what leads them there.
#goodnatured - Says,

That is okay, I will take my AA online, thank you very mucy
#fireyone - Says,

Thats what I would do. Come here and get all the counseling ya need.
#goodnatured - Says,

I don't think that I would actually attend anything that I had to do in person, I feel more comfortable putting all my laundry out on a website, I think that people will be more willing to be open and honest if they are not showing their face. I know that I would not want to sit in a room full and put it all out there the way we do here.
#fireyone - Says,

Yes this is true. Soemtimes I feel a little embarrassed by it all so at least this way people can't see the face of the debtor.
#mikegramm - Says,

Do you think there are enough of us to afford an attorny for a class action.
#fireyone - Says,

You wouldn't necessarliy need enough money for a class action. Some lawyers if they feel there is a good enough case will take on something like this without any money up front. I am sure they would have to know it was a solid case and would research it in detail. In the end they would get a good profit from the reward from the court and also make a pretty good name for themselves. It is kind of like the vehicle accident atty's. You always hear that saying "never a fee inless we get money for you"? I think this would also be something an atty would be willing to do on the same basis.
#Doc - Says,

Just wanted to add my two cents...

A cease and desist letter can prevent them from contacting you beyond one more letter. (They're entitled to send you one last letter after receiving your C&D.)

Important though, is the fact that it does not prevent them from collecting the debt, via credit reporting through Equifax, Experian, and TransUnion...

It also doesn't prevent them from suing you, if they have a "valid" claim, within the statute of limitations in your state. (Though few ever do have a truly valid claim...)

#carol - Says,

Yes, cease and desist letter will immediately stop them from calling you as it is a legal letter. However, before you send a cease and desist letter, you should send a debt validation letter by certified mail to be sure that you do not owe any debt to the creditor who is calling you up. If they cannot properly validate the debt within 30 days from the date of receipt of the letter, you can send a C and D letter, since the creditors will move your account to legal status once this letter is send and can sue you to recover the debt.
#jeromejohnson@surfglobal. - Says,

I once heard that there was a government telephone number that one could call asking to have all collection "telephone calls stopped"--is that true? And if it is, could someone please advise me of such a number--a good friend of mine is going crazy!
#Mary - Says,

I don't think that there is any such number to report against any collection agency. If you find any collection agency continuously disturbing you, just file a complaint with the Federal Trade Commission by visiting their website. Filing a complaint will definitely help you to get rid of the collection agency if they are illegally forcing you to repay a debt which you do not owe. The collection agencies always give first importance to FTC.
#scott - Says,

You can call Federal Trade Commission at their helpline number 1-877-382-4357 and file a complaint. You can also fill up a complaint form online or mail it at
Consumer Response Center
600 Pennsylvania Avenue, NW, Washington, DC 20580

#abigorbot - Says,

Thank you for posting this sample letter. I've posted on the forum my own situation and I feel it would be better for myself to deal with the original creditor. I had received a letter from Merchants Credit Guide for a debt from my ex husband that was charged off in 2002 that the debt validation said Pinacle credit services.
#RonWalters - Says,

If they see that you are very serious and that you have a lawyer and that you are ready to fight, they just might back off.
#Louis Walters - Says,

The debt is not my son's. Three assignees since 2005 have attempted collection. Currently, thew third assignee of Citibank has gone to Court in Georgia.

Since 2005, we have filed with the OCC, New York Attorney General, and more recently FTC and the Congressional Oversight Committee.

Where do we go from here?

#Justin - Says,

Hi Louis,

I hope you had already sent a debt validation letter before filing the complaint? If so then, you can tell the OCC and the FTC that they have to been able to prove that the debt belongs to your son. Hence, you have taken this step. I am afraid you do not have much to do after this. You have already done what was required. Just don't give into the pressures of the collection agencies.

If the CA sends you summons then appear in the court and tell the judge about your case.

#shintao - Says,

It would seem to me this bounce method would make the original credit throw up his hands and throw the debt out the window. I didn't know this idea existed.

Can anyone state the law codes for this?

One thing comes to mind. A collection agency in New York cannot sue a consumer in California ~ but the California business can, like small claims for small amounts. So there is a gamble IF I AM CORRECT.

Does statute of limitations save you, or restart the clock, going back to the orignal creditor?

#Aaron - Says,

Hi Shintao,

When the account is pulled back by the original creditor the Statute of Limitations restarts. A creditor will not pull back an account of his own accord. He will do so only when you request him to pull back the account from the collection agency, so that you can make a repayment plan with the creditor. The SOL restarts from the time when you start paying off the dues.

Thanks,

Aaron

#jeanie - Says,

i am being harassed about a credit card debt that started at $300 and now has grown to over a $1000; they call and call; i have tried talking to them to set up payments; they decline; say i charged; i pay; they are sooo rude; now i don't answer; but they keep calling and i want to stop it; how do i do this? i am very new to this. Do i send the letter asking them to validate? the original debt of $300 is real; i was young and stupid and just ignored it; it's been 2-3 years and now its gotten worse; do i ask them NOT to call me only use mail? how do i make this go away? i read that a paid collection debt is not much better than an unpaid one; is that true?
#mgibson - Says,

how do i print a copy of the cease and desist letter
#Aaron - Says,

Hi mgibson,

You can copy the letter and paste it in a word file, and then print it.

Thanks,

Aaron

#carpter - Says,

If you think or know of someone that has commited the violation go to the FTC (federal Trade comission) and fill out the online complaint form and then do the samething but send the second one to the BBB. The BBB is much faster and nither one charges anything to you.If you are in the right they (the FTC) will be your attorney. Also contact your state attorney general's website or by phone.
#Aaron - Says,

Hi,

Yes, if any creditor or collection agency does not comply with the request to cease the collection calls then the debtor can file a complaint to the Federal Trading Commission.

However, this can only be done, when the debtor is aware that he doesn't owe any money to the creditor/lender ro collection agency.

Thanks,

Aaron

#Big Dawg - Says,

If your FCRA Rights have been violated or you got a**hole collection agencies calling you or what not visit attorneysforconsumers.com fill out the free case review form on this site and an attorney will contact you within the next 24 hours and it is all free the collection agency will pay your attorney fees and you can get up to 1000 in statitory damages.
#Stacey - Says,

If this letter is sent to a creditor or any party for that matter, and they are found to ignore or violate it, of course you want to let the company know they violated and can take action.
But keep in mind, if you don't keep up a good address or some other way to have them contact you, you can miss on opportunites to solve your account status or of options to help you. And if you avoid them, they can take you legal/sue you for the account, and make it worse then it was before the cease and desist was completed. So be sure you have a manager to directly email or call etc. and stay within the state laws of cease and desist and remember your credit and charges and everything else do matter.
It doesn't just go away, keep that in mind when you want to buy a dhouse, car, or need expense help, etc.

#sweetums - Says,

Can you really use that in any situation and do you still get charged the fees from the company for turning it over to the collectors?
#Guest - Says,

Stancey has clearly pointed out that just ignoring the matter will make it worse and ultimately the person has to suffer on large scale...So there is no point in hiding the reality,rather one should directly admit the reality and try to face it with all the available legal tools...

Ensure.....

#Jan - Says,

These are some circumstances that go well with banks : You might not affrod payments for the last 3 months You lost your job or faced a medical emergency Repossession company owns your account now and they're hectoring you You aren't fit for debt consolidation programme or do not have any collateral for it Insolvency is the sole debt control option How Is Debt Negotiation Pursued? The debt negotiation company speaks with your lenders and explain your financial standpoint. Negotiation with creditors and settlement offer : A jointly acceptable amount is bartered for and the final settlement letter is sent in writing to the debtor.
#Garth - Says,

Does any of this work for student loans that are from the gov. i have sent the CA a DV and not a C and D yet. I was waiting to see what the DV response would be. I guess my real question is, is there any fighting these payments that they have determined I can afford every month, (which I can't), would the OC of these kind of loans be willing to work with me more so than the CA? I just don't know.
#Garth - Says,

Does any of this work for student loans that are from the gov. i have sent the CA a DV and not a C and D yet. I was waiting to see what the DV response would be. I guess my real question is, is there any fighting these payments that they have determined I can afford every month, (which I can't), would the OC of these kind of loans be willing to work with me more so than the CA? I just don't know.
#Guest - Says,

Exactly should follow this..?? thank for your help.
#creditcard1 - Says,

This format is very helpful for me, It is easy to write our complaint through this format. Thanks for sharing it.
#creditcard1 - Says,

You have mentioned great information, it really helpful for me. Thanks for sharing it.
#smartypants - Says,

By responding to a creditor, or even a debt collection company, that is validating the debt. They can then, restart the debt all over again. The best way to deal with an erroneous debt is by dealing with the credit reporting companies only. Dispute the debt with them and they will deal with the creditor. The key is follow-up. You HAVE to follow up with the credit reporting agencies 30 days after submitting your dispute if they have not responded to you. Also, the key is to send your disputes my certified mail. It can get costly but it sure is a lot cheaper than going to credit repair companies who still have you do all the work (for the most part) and charge you hundreds of dollars per month.
#rogeroh1 - Says,

why argue with them ask them for a conditional acceptance let them provide you the proof
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#Dave Callahan - Says,

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@GMAIL.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!

#Johnny Taylor - Says,

I must acknowledge the tireless effort of Cole Credit Services, your commitment and dedication are greatly appreciated helping men and women with credit issues. I had a bad credit which disqualified me from many things and my score was on a low 474 but after my contact with Cole regarding my credit issues I can now boost of an excellent credit report and my score on a high 790. God bless your entire team and service to the community. I strongly recommend any one with a credit challenge to contact them COLEFRANKSERVICES@GMAIL.COM
#Analia Miller - Says,

Some FICO hackers will delay you, some will scam you, but here is how I got my FICO score to 785 from as low as 400, due to my diabetic condition I got a setback on my payments owing to medical bills, my world started falling apart because I wanted to rent a home and take some loans and I couldn’t. I kept looking for someone who could help fix my credit to no avail, until October last year when I met XAP CREDIT SOLUTION through a friend whom they had worked for. They boosted my credit in 9 days and restored my dignity. I was able to get a loan and pay for a home. You can contact them via XAPCREDITSOLUTION@GMAIL.COM. Or 972 597 9704) XAP CREDIT SOLUTIONS can do it for you. Ciao!!
#Wilson Kelvin - Says,

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 by Texting CREDIT TO 205 418 0498 or Mail; GhostVirus7890@gmail.com
#Noah Davidson - Says,

As impossible as it may seem, I can boldly tell you that it is possible for a hacker to fix your credit, I usually don’t do this but because of the joy and gladness I feel cannot be quantified, I feel like I have no worries in the world anymore since I contacted XAP CREDIT SOLUTION and they helped fix my credit. I read about them trulia and decided to give them a try; they provide a wide range of services for those with poor or bad credit. If you want to you can reach them on XAPCREDITSOLUTION@GMAIL.COM/ +1 972 597 9704. Trust me they are truly the best. Thank me later!
#Mateo Rolland - Says,

I find it difficult to say that I read something online that helped me; I missed paying back my loans and was late on the rent. These did a great deal of harm to my FICO score, it dropped to as low as 406. I was at an all-time low as I need to secure a loan in order to offset my son’s medical bills. Until, I came across a testimony on trulia about XAP CREDIT SOLUTION. I decided to give to give them a try. Today my FICO is at 780. All thanks to XAP. Reach them on XAPCREDITSOLUTION@GMAIL.COM/ (+1 972 597 9704). THANKS
#Benny Maurice - Says,

My name is Benny Maurice, 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, 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 that my credit score was 501, I wasn’t qualified for anything. I want to buy a house, I want to buy properties and start a business. I needed help and I found HACK WEST here online, they are good and kind credit repair team. They pulled my score to 800, deleted the eviction and other negative item on my report, and added good trade lines. I got everything I wanted and even more. Thanks to the entire team. Contacts: HACKWEST@WRITEME.COM / +1 (424) 307 2638.
#Keisha Micheals - Says,

Hi Everyone, I want to sincerely appreciate the team of XAP CREDIT SOLUTIONS. My credit was very bad I was trying to purchase a home for my family and also secure something for my kids in the future but I get turned down even after pre-approval, it was very devastating. A friend read about them on trulia and informed me, I contacted them after reading some testimonies about them, they ran my credit report, analyzed the credit score, and determined which actions will have the greatest impact, They boosted my credit, added a few positive comments. They made it work and I have a clean credit file now. My heart is full of gratitude. If you want to you can reach them via (+1 972 597 9704) or their email XAPCREDITSOLUTION@GMAIL.COM.
#Fredrick Murray - Says,

Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. I was served with an eviction after I broke my lease, they swore the information was sent to my current address but I never received the eviction because of being gone from my previous address and never wrote a letter stating why I was moving. I basically moved from house to house to have a roof over me and my family’s head. They stated on each case that I had an eviction although I’ve paid the last due balance. It will literally take way too long for me to try sending 3 letters to the 3 credit bureaus and waiting for the eviction to be removed. However, I decided to dig online for credit repair solution and I came across a review on Quora about Ghost and I must admit I was impressed. I quickly contacted him on; Ghostvirus7890@gmail.com: 205 418 0498 asking if he could help me and how much he would charge. He replied after discussing the process, we moved on and guess what? He removed the eviction, fixed my credit history and raised my score to 800. He deleted the student loans, medical bills and the bankruptcy filled 2017. I eventually bought a home with his help and we are happy, may God bless him.
#Curtis Brown - Says,

Whether you like it or not the truth remains that we all want a good credit score, the merits of having a good credit score cannot be overemphasized, that said I would like to inform you that there is a credit hack company that can get your credit fixed in 8 days. Sounds impossible right? Yea, it is because I thought so too. I had a medical condition which put me through a lot, things were not working out, it cost me a lot, let me spare you the tale of my woes and give you the good news I had a credit score of 340 as at last year before a friend told me about XAP CREDIT SOLUTION, initially, I was skeptical but they have been able to increase my score to 725. You might want to contact them via XAPCREDITSOLUTION@GMAIL.COM / +1 972 597 9704)….
#McAllen Stev - Says,

Words enough can’t express how I feel after I came in contact with Hack West Credit Repair. I decided to contact Hack West when I was going through hard times and couldn't fix my bad credit on time and I've been cheated by some group of people calling themselves hackers! I contacted (HACKWEST@WRITEME.COM) and explained my story to them and didn't hesitate to assist me in fixing my credit. They helped me delete those particular negative items on my credit report and also increased my credit score to 790 (excellent) within 5 days. I will advise you all to get to Hack West if you have any credit issues. They have team of experts and are the best company for the job. You can also contact them via +1(424) 307 2638.
#Miranda lawson - Says,

Hi there, last year was one the most difficult years of my life, my credit was bad, I mean very low. I did all I could but to no avail. I had a lot to do but couldn’t due to the negative items on my credit. But somehow I contacted XAP CREDIT SERVICES, after reading various reviews and testimonies about them on credit magic. Initially, I just wanted to satisfy my curiosity but to my greatest surprise they really made a difference. XAP CREDIT SOLUTION not only increased my Credit profile, they monitored my credit score and tracked it, and they helped me get the financial respect I deserve. They also advised me on how to stay away from unhealthy financial lifestyles. What more can I say? This year is going to be a good one. Here`s their contact 972 597 9704 or send them a mail via XAPCREDITSOLUTION@GMAIL.COM!!!
#Jennifer Bruce - Says,

Gratitude is a must you hardly find someone to Trust I was down with a low credit profile which had me losing my house, got robbed last year while trying to fix my credit. My name is Jenny a single mother trying to get a prefect home for me and my kids and starting a business of my own. After a month ago I was robbed by some imposters who stole from me all in the name of fixing my credit I later found about Ghost on Trulia where I read review how he fixed a lady’s credit with an excellent score. I was to know how true this was I contacted Ghost and asked for more info and proof of competency to which was satisfactory. I provided the required info for the process and just in 10 days my credit is good and excellent. I advice Y’all with bad credit that needs help should contact Ghostvirus7890@gmail.com; 205 418 0498 and restore your credit today cheers!!!
#Juan K Dorantes - Says,

Thanks Brenda for promoting the hard work of Hackwest@Writeme.Com. After reading through your review
I felt guilty because have being working with them for a while now yet couldn’t share my testimony to others who maybe needing same help; like you said, I think other people deserve to know about this hacking company. They helped to wipe away all medical charges including electricity bills and student loan amounting to over $30k. Hack West also helped my cousin to remove his criminal records, bank loans and raised his credit score to 790 from 520. I recommend Hack West to everyone. You can all contact (424) 307 2638.

#Olivia Doyle - Says,

Hi, my name is Olivia Doyle, I’m a real estate agent, one of my clients Kyle had an eviction on his credit report and he needed to clear them before applying for a mortgage loan, he wasn’t able to get anything due to my bad credit history and he wanted to remove all the defaults. I was researching online and I came across a good report about XAP, after over 2 years of fruitless efforts in search of a legit credit agent to refer to my clients. I got through to them and connected them with my client; right now his records are squeaky clean. They fixed it. I’m definitely referring all my clients with credit issues to them.
Email: XAPCREDITSOLUTION@GMAIL.COM
Phone: +1 972 597 9704

#Leo Safford - Says,

I was in a really bad shape with my credit score of 567 and Credit Wizard brought me up to 800 in less than 2 weeks. Can’t figure out how he did it but he did! Flood his inbox he is the perfect Credit Repair Man THECREDITWIZARD@WRITEME.COM Leo Safford
#Andy884 - Says,

Hello and happy weekend my name is Andy Jordan, a very big thank you to Ghost Virus for he’s tireless effort making sure I get the prefect credit I needed to get approved for a loan which I applied some weeks back. I had (Student loan, Collection, Inquires, Tax liens, Medical bills, late payments, and low score) on my Credit report which disqualified me. A friend recommended Ghostvirus7890@gmail.com 205 418 0498 to give my credit the prefect and permanent treat I was looking for. After a short assessment on my credit situation I was signed up and on my way to restoring an excellent credit rating. I provided the info’s which he requested the next day to start the process which lasted for 8 days. My credit is looking prefect and my scores excellent you can give your credit a good treat by contacting Ghost virus. This was not possible in the past due to my previous history. Thank you Ghost
#Sonia Wesley - Says,

I am overwhelmed!!! I felt hot tears rolling down my cheeks when XAP sent me my credit report after repairing it. My name is Sonia, I had an eviction, medical bills, and loans that wouldn’t let me qualify for a home. As a single mother of one, things haven’t been easy; I contacted XAP because they were highly recommended for helping people with credit issues. They helped me, they really helped me. If you need help you can contact them on XAPCREDITSOLUTION@GMAIL.COM. Trust me.
#Curtis Shall - Says,

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@Writeme.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. Text: (424) 307 2638.
#Havilah G - Says,

Hello everyone, I’m Havilah, divorced recently. I decided to buy a home suited for my family. I didn’t have the best track record with funds in my past and my credit profile was faulty. My credit score was 521 and I couldn’t apply for a mortgage, I was desperate to get a roof over my head which almost led to the detriment of my family. I read some good reviews about GHOST VIRUS on Google and different credit sites then I contacted him. Within 8 working days my score was raised to 796 and erased all the negative items on my credit report. This is the best thing that has ever happened to me and my family, I’m totally grateful to GHOST VIRUS for such services given to me. I firmly recommend GHOST VIRUS to you all in need of such services and get your credit issues fixed in a short period. Email now on GHOSTVIRUS7890@GMAIL.COM text 205 418 0498. They fix a Chex system and a DUI report as well.
#Ruben Wright - Says,

Happy Val! The best way to celebrate this season is to show my unreserved loyalty and appreciation to team Hack West Credit Repair. I’m over 100k in debt from credit cards to unsecure personal loans. I was at the point where the bills monthly are more than my monthly paycheck. I was behind on a few of them. Just couldn’t make the minimum payments. Don’t have any assets besides a car. I couldn’t bear it any more I have to open up to my colleague who said I shouldn’t mention his name. Fast forward, he directed me HACKWEST@WRITEME.COM / 424-307-2638. I explained myself to them and Hack West wiped my whole debts even the mortgage I had. Today I’m free from any sort of debts. All thanks to team Hack West. Enjoy your holiday!
#Ruben Wright - Says,

Happy Val! The best way to celebrate this season is to show my unreserved loyalty and appreciation to team Hack West Credit Repair. I’m over 100k in debt from credit cards to unsecure personal loans. I was at the point where the bills monthly are more than my monthly paycheck. I was behind on a few of them. Just couldn’t make the minimum payments. Don’t have any assets besides a car. I couldn’t bear it any more I have to open up to my colleague who said I shouldn’t mention his name. Fast forward, he directed me HACKWEST@WRITEME.COM / 424-307-2638. I explained myself to them and Hack West wiped my whole debts even the mortgage I had. Today I’m free from any sort of debts. All thanks to team Hack West. Enjoy your holiday!
#Ruben Wright - Says,

Happy Val! The best way to celebrate this season is to show my unreserved loyalty and appreciation to team Hack West Credit Repair. I’m over 100k in debt from credit cards to unsecure personal loans. I was at the point where the bills monthly are more than my monthly paycheck. I was behind on a few of them. Just couldn’t make the minimum payments. Don’t have any assets besides a car. I couldn’t bear it any more I have to open up to my colleague who said I shouldn’t mention his name. Fast forward, he directed me HACKWEST@WRITEME.COM / 424-307-2638. I explained myself to them and Hack West wiped my whole debts even the mortgage I had. Today I’m free from any sort of debts. All thanks to team Hack West. Enjoy your holiday!
#Noel Huddson - Says,

My surgery loan just got approved and that’s why I’m testifying. Last month I was reading an article on Trulia and I came across a comment about a credit fixer called Xap credit solution and how they helped people get their lives back. I was actually trying to get help last month in other to fix my credit. My credit was in the 400s, I had negatives. I had applied for a surgery loan but couldn’t get an approval. However, I contacted Xap and we reached an agreement. I was really serious about it. And in 10 days my credit was good again, he removed bankruptcy, verified the changes with 3 credit bureaus. I’m in the 700s and I have some positives right now, I never knew that life could turn out this way for me. I am a living proof that they are truly good at what they do. You could email or text them ( xapcreditsolution@gmail.com. (972) 597 9704). It’s my little way of showing gratitude.
#Young Levi - Says,

My credit was horrible. I had almost everything on there from repossessions, tax liens, evictions and some few others. I just wanted to be able to live somewhere decent and that was impossibility for me at the time due to my low credit profile. I got to know about a credit repair hacker from my course mate back then in college who I am so grateful to. I would not have met this amazing hacker if he had not told me of his quality service. Since I met him my credit report is worth being happy about. He is legit, and I recommend him. Contact: TheCreditWizard@Writeme.Com.
#Isla Alden - Says,

It’s imperative that I tell you this. You guys have to note that not all those out there who pose to be hackers are real. Creditors kept coming after me and putting all to my credit report; this really caught up with me up and kept drowning my credit score. My score was 430 and all my cards were maxed out. I have been on a search on how to take off eviction from my public records and most people on different forums kept talking about a professional but they were all fake until a friend introduced me what he referred to as “the best and reliable hackers XAP CREDIT SOLUTION” I mailed them on XAPCREDITSOLUTION@GMAIL.COM. They gave me some instructions which I followed, it’s been 5 working days since I paid half of my fee and my score has been increased to 780, all the negatives are gone. I’ve been made to understand that before the 9th day my score should be above 800. I’ve been crying tears of joy since. Thank you XAP!!! Here is their number: (972) 597 9704.
#Riggs Allen - Says,

I consulted with Hack West Credit Repair last 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 par and I realized that it was time to do something about it. I contacted HACKWEST@WRITEME.COM and +1 (424) 307 2638. 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 record. 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 them. You won’t be disappointed and you’ll thank yourself later.
#Sucre Graber - Says,

Just had the most amazing Valentine gift ever, being patient really pays, I was stuck with several charge offs and inquiries. I wanted to get some negatives removed and get my score up again so I can make a better living. I was reading comments about Hackers who claimed to be able to fix credit and I came across testimonial about “XAP”. I contacted them and the rest is History. Bottom line is that I can really say that XAP is a group of specialized legitimate hackers because on Valentine’s Day I saw my credit and almost couldn’t believe it. All these happened in 9 days. I feel it’s all about putting smiles back on people’s faces because I didn’t even make full payments and the results are already glaring. Get more info yourself contact them: XAPCREDITSOLUTION@GMAIL.COM / (972) 597 9704…
#Rasheita Gilmore - Says,

I tried getting my credit fixed by another agency before I knew about Hack West Credit Repair and nothing was done. Thanks to Hack West for everything they did to fix my credit and didn't take long they kept to their promise just like I have being reading about them. My wife and I are really happy and grateful with this great team as her credit was also a big difference from 550 to 730 and mine is at 760 since we started. Thanks again I truly appreciate your good works. HACKWEST@WRITEME.COM and +1 (424) 307 2638
#Credit Specialist - Says,

Please be aware Xap Credit Solutions is a Scam. They are using the tradmemarked name and logo of a licensed and registered credit repair agency Zap Credit Solutions. If you are looking for an accredited credit repair agency please make sure you are contacting the correct company. Zap Credit Solutions company information can be viewed at zapcreditsolutions.org
#Martin Newsome - Says,

Having issues with your credit? Do you have a low fico score? Do you have any loans and negatives you will like to clear? If your answer to any of these questions is yes, then I’ve got some news for you. XAP CREDIT SOLUTION is the answer to all credit related problems. They are a team of intelligent and very reliable hackers, I know this because they helped increase my fico score, and made my credit as good as ever, they also cleared my loans. For more info contact XAPCREDITSOLUTION@GMAIL.COM or text +1 972 597 9704. Take this review seriously and do yourself a world of good.
#Eavan Fallon - Says,

DEBOOTH is a genius when it comes to credit repairs and credit score upgrade. This guy is the best hacker you can trust and I strongly recommend you contact him and his team for your credit repairs. He is well detailed and time conscious. My experience with him is something I’ll live to remember. Strike a deal with him and see your plans and dreams come true. It sounds unbelievable but it’s true. I was scared from the beginning, but as I followed his directives, my credit was fixed within three weeks and his charges are pretty moderate and affordable. Try him out and you’ll see yourself doing exactly what I’m doing. Contact him via DEBOOTHCREDITSOLUTION@GMAIL.COM /+1 (562) 281-7621, you’ll thank
me later for this info.

#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…
#Donnie Mark - Says,

Never thought I could be on the move up to the upper echelon of the society where I wouldn’t have to worry about a low FICO score, and other credit issues. My profile was laden with hard inquiries, liens, etc. but with the aid of XAP CREDIT SOLUTION whom I met via google search my entire life has turned around for good. My score is now soaring in the 800s, with negatives cleared. This is a testimony and you’ve got to believe me when I say XAP is real. Do well to contact them for all forms of credit upgrade XAPCREDITSOLUTION@GMAIL.COM or text (972) 597 9704. Best wishes…
#Bazyli Awe - Says,

I have seen a reputable credit repair agency and I emphatically state that they are the most trustworthy people you can trust with your credit. I can never forget what they did for me; my credit report is currently in the best condition. My profound gratitude goes to OCTOPUS CREDIT SOLUTION for their prompt intervention in resuscitating my credit report. My credit score was 480 but later increased to 700. Hard inquires and negative items were removed from my report. They are the best and reliable credit repair agency you can think of because they keep to their word. Contact today via OCTOPUSCREDITSOLUTION247@GMAIL.COM or (770) 799-8509.
#Charles Harry - Says,

It’s amazing how in a twinkle of an eye you could get from zero to hero. Permit me to tell you about this great hacking team called XAP CREDIT SOLUTION. I had a very bad fico score of 470 I contacted a friend of mine Damns who hooked us up and we negotiated. Guess what they cleared my late payments, student loans, IRS and liens. I am now able to purchase my dream car. I truly recommend them for your credit repairs. Contact XAPCREDITSOLUTION@GMAIL.COM / (972) 597 9704. Thanks. Five Star Reviews.
#Desmond Rowland - Says,

ACTION CREDIT SOLUTIONS has given my life a meaning now! I contacted them last month to help me fix my credit. I had evictions, late payments, and hard inquiries on my credit report. How they were able to override the system to remove all the negative items from my report is what I don’t know. The truth of the matter is that my credit is in perfect condition now and all the negatives gone and my credit score raised to 790. Big thanks to ACTION CREDIT SOLUTIONS. You can call them with +1 (737) 201 -7316 or write them today on ACTIONCREDITSOLUTIONS@GMAIL.COM
#Emma Wiliam - Says,

I will always recommend THE BEST CREDIT REPAIRER!!!! I will forever and always appreciate your good work, All glory to you for saving me from the pit of hell, life was 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 PROHACK.NET@AOL.COM, I followed every procedures he asked of me and he worked on my credit score within the maximum of 14 days without delay or stress. All thanks to Scott I’ve finally got the perfect solution to any credit issue with low credit score, background check, evictions, credit history and late payments. I’m so excited to have an excellent FICO score of 826 and I will always recommend him to you all. You can also get in touch with Scott on his cell phone +1 (252) 307-3167. Good luck Guys.
#Roy - Says,

I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to poor credit history. Then I got referred to by a friend about this amazing hacker guy called PROHACK NETWORK who helped remove the negatives on my report and increase my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. He changed my life and I can now boost of having a home and a new business, all thanks to him. He can fix your credit report and increase your scores in record time. He came through for me and he can also do the same for you.. Hit him up on his email; prohack.net@aol.com and cell; +1(252) 307-3167
#Vincent - Says,

I really appreciate CONFIDENTIAL CREDIT SOLUTIONS for removing all the negative items on my report.
When I was applying for loans for my most recent investment property (my third property including my home),
my score was in the mid-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 emailed:CONFIDENTIALCREDIT2424@GMAIL.COM
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 via +1(289) 277-0463

#Barnard James - Says,

You are the reason why I am posting this, because you really need someone to rescue you from the hands of this monsters. They just want to take your money and disappear with all you own, because you fall for the greed loophole they trapped you into. . .
"Recovery Aid" via Skype will help you retrieve all funds lost to binary options or any online scam. Buzz them today!and thank me later.

#Felix Jacob - Says,

Hello, my name is Felix Jacob; I’m on my late forties. Am using this medium to say a very big thank you to PROHACK NETWORK for the great thing he did for me as my wife wanted to ruin my life and take all our life savings. It was a hard way and a bad one to experience at this time in my life. I was able to get my own share of the money by using this great hacker my coworker introduced me to him to hack into her cell phone to enable him receive the transfer code after he hacked into our bank account via Online banking system. His name is Scott William. (prohack.net@aol.com) I know a lot of people are going true this in the world today. If you can see my message, do not hesitate to contact him immediately. He also REPAIRS CREDIT, such as, bankruptcy, eviction, judgment , Late payment, clears all credit card debts, removes all negative items and he increases FICO Score. Email or call him and get a quick response. (prohack.net@aol.com) / +1 (252) 307-3167
#Martha Mcintyre - Says,

All scammed me .. Take note of the way they all write . Oh I heard this , I tried that .. BULLSHIT. they cant even spell correctly or even write proper English. I used everyone of them with the intent of payment after Job and they all failed . They always kept one saying ooh this , need that , and just little to buy Blah Blah Blah . Never Trust Any , (creditsmartspy @ gmail dot com) best possible option you can ever get as a hacker.. great job. +1(305)-912-6941
#Ava James - Says,

Hi people, I’m Ava James, from Arizona a mother of three. I have been in serious debt since the death of my husband. I was unable to meet up with the standard given to me and my kids by my late husband because I couldn’t meet up with the bills; such debts has been accumulated, build up into my credit report and condemn the good credit history I was having before the ugly incidence. This has led to the forfeit of our truck for repossession and it has an impact in my report. A particular credit repairer refuses to help all because I couldn’t pay what they asked for. Not until my sister in-law recommended Hack West Credit Repair. My Debts of four (4) years was taken off within a shortest period of time with a new score of 785. Though what I paid for can't be compared with the good work I received from HACK WEST. I lack words to thank them for the great help they rendered to me, my kids and my late husband. I promised to tell the world about them perhaps this post.

Contact: Hack West Credit Repair
Email: HACKWEST@WRITEME.COM
Phone: +1 (424) 307 2638

#Joy Lawson - Says,

My husband and I didn’t believe in credit repair companies because many people told us that this don’t work. We took the risk and hired ACTION CREDIT SOLUTIONS. Best decision we made! In less than 14 days my credit score went up, from 544 to 758s. my eviction, collections, car repo, hard inquiries and late payments completely fixed. Thank you very much for the superb service! Write them today on ACTIONCREDITSOLUTIONS@GMAIL.COM or contact them via text or call (737) 201-7316. Thank me later.
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#Ava Ryan - Says,

PROHACK.NET@AOL.COM, / +1(252) 307-3167 have a proven process for repairing bad credit. Whether you are looking for complete credit repair services or just credit counseling, he can help! His credit repair services are personalized to help you remove all negative items on your report and rebuild your credit. Having better credit means more options and, when it comes to making big purchases in life, options are what you want. He fixed my credit and increased my score to 745 in as little as 7 days, making his credit repair service the fastest way to rebuild your credit score and help you get back on track with your finances. PROHACK NETWORK also provides a free consultation to review your options and explain how credit repair works. Give him a call today and he will put a smile on your face as he did mine, good luck.
#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
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#Olivia Freeman - Says,

My name is Olivia from Texas my colleague introduced me to a great hacker who helped me fix my bad credit score to 758 and wipe out my bad credit history contact him via PROHACK.NET@AOL.COM, / +12523073167 for help.
#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.
#Mitchell Anchikoski - Says,

I am very pleased with the result of the job GODFINGER did on my credit profile. I sincerely did have my doubts as to the possibility of the process but here i am a testimony to it. I touched base with the fixer via his official email (GODFINGER@TECHIE.COM) and he was very professional and attentive to my questions and concerns about the program and always made sure I understood everything before moving forward. Most importantly, he listened to my story about how my credit got the way it was with “life happening” and offered a hacking solution to my problems and reassured me of the protection of my identity. In two weeks my dream credit profile went live. Late payments and a repo went off my reports also taking my scores to high 700 across the 3 bureaus. I will be forever in your debt. Thanks for the help and guidance!
#dayna plummer - Says,

WEBSTAR was so thorough, kind and understanding. He took down all my negative information and thoughtfully gave me the various good marks plus a massive increase of my credit score, that was ethical hacking at it's best. He was so professional and kind and helped me see there is a solution to my problem. I was nervous to reach out for help in the first place because i wasn't sure of the process and it's implications, but he was very understanding and reassuring. I would definitely recommend anyone who is struggling with finances in any way to contact WEBSTAR@HACKERMAIL.COM.
#Lily Bryant - Says,

Hello, my name is Mrs. Lily Bryant, I’m here to fulfill a promise I made to a hacker friend (MR. SCOOT). I had a bankruptcy, eviction and a judgment with some couple of late payments on my credit report. My score was 420 and that was pretty bad. He came through, deleted all the negative items, raised my score to 786 and then added some good tradelines on my profile to help boost my score more effectively, efficiently and less costly. All debts were marked as paid and late payments appeared as on time payment. His Company is PROHACK NETWORK, EMAIL: prohack.net@aol.com +1(252) 307-3167. You can contact him for credit repair services because he is reliable, trustworthy, and proficient and charges substantially.
#Jimmy Camps - Says,

Contacting SKY CREDIT SOLUTION and making use of their service has to be the best decision I made this year. I had lots of inquiries and many items in collection, my home was getting foreclosed and I really needed help getting a loan but could not because my credit score was 520 and 540. Many reviews on trulia pointed to them and I had to take my chances. Today my score is 766 and the inquiries and collections have been cleared. My loan will be approved soon. Big ups to SKY for their efforts and for their low charges and requirements. I will drop their contact information here just in case you need it SKYCREDITSOLUTION247@GMAIL.COM / (620) 399 6316.
#Victoria Perkins - Says,

My name is Victoria Perkins and I signed up with a credit repair guy few months ago, during the process he stopped communicating with me and I realized I have been scammed, he scammed me over $6000 always asking for more money to get software’s and I thought my credit was being fixed. I got into more debts and I didn't have much left. I was at the verge of loosing everything but luckily I got saved by a friend of mine who introduced me to a trusted credit repair company called UNITED STATES CREDIT REHABILITATION (USACREDITREHABILITATION@GMAIL.COM). I emailed them immediately and got a response. We discussed the process and got started with the project. In less than 7 business days, they restored my bad credit records as promised. They also raised my score to a high 794 and added good tradelines to my profile. Contact them with the above email and they will get your credit fixed ASAP.
#Andrew Barnes - Says,

Do you want to pay off your outstanding credit debt, mortgage debt, auto loan late payment, car loan or do you want to boost your credit score above 750 across the three credit bureaus report maybe you should get in touch with this credit repair information listed below:
Email: ROBERTMORRISCYBERSERVICE at GMAIL dot COM
Phone Number: (657) 222-3404.

#Rich Hagen - Says,

I was sitting on my couch on a Sunday morning when I overheard them talking about Robert Morris credit repair services. I have to make more inquiry about how i could get this done without fallen victim of a hacker again with intention to seek advice regarding my late payment, negative items and how i could raise my credit score across my three credit bureaus report. I got in contact with the hacker the following days and he replied quickly about how i could get everything done within the next 72 hours. I never knew i could live a happily live once more until i paid off my outstanding credit debt on my credit report and got approved for an auto loan deal worth over $150k within few weeks then i can finally testify that i got my credit score been boosted to 812 without no physical contact or any traces been found on my credit report activities. You can make contact with him anytime through ROBERTMORRISCYBERSERVICE@GMAIL.COM or Text him via (657) 222-3404.
#Steven jones - Says,

Hi everyone, I am so grateful for all the help you have given me! Today I was able to buy my mom a new car. I would love to continue to aggressively improve my credit! Thumbs up guys I really appreciate your effort, you guys indeed proved you are real.. Hey guys for any kinda hack service or credit repair service you will need to hook up with them on his official phone number: 657 222 3404 or Email on ROBERTMORRISCYBERSERVICE@GMAIL.COM.
#James Mcneil - Says,

Hello everyone my name is Allison Naccarelli, I had a lot of negative items on my report and I recently into a car accident, in which my car was totaled. However I found myself needing a car ASAP, but my credit score was so low that everywhere I go, they ask for an outrageous amount of money down, and very high interest rate. I was skeptical to email or text GHOST, but after I read all the good reviews and recommendations about him, I became so desperate and I emailed him on GHOSTVIRUS7890@GMAIL.COM and texted him on his number +1 205 418 0498 as well asking for his help. He assured me of a 103% guarantee of a clean and safe job. Thereafter, he deleted all the negative items on my report, increased my score to 791 and I purchased the car I needed. Be free to contact him and get your credit fixed.
#Jasmine Ambrose - Says,

Action credit solutions helped me remove eviction, bankruptcy and collection accounts in 10 days. They increased my score from 520 to 750 and I was able to get a loan. I’m very grateful to them and wish they will continue to help the hopeless and helpless. I recommend them for credit repairs. Contact them via ACTIONCREDITSOLUTIONS@GMAIL.COM / (737) 201 7316. Their services are pretty cheap and affordable.
#david Webster - Says,

I had a bad credit score and needed to increase my credit score across the three credit bureaus report, I tried some hacker to get out of my bad credit but no one could get it done for me until my sister just recommend this credit icon named Robert Morris. He help me to increase my credit score above 800’s and pay my outstanding credit debt over $25k within in the next few days without any traces been found. Contact him for any credit assistance or credit issue via RobertMorriscyberservice@gmail.com or Text him through (657) 222-34046
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#Kathy Fiona - Says,

I love the Credit Report Card beta program Mr Hugh Fisherman introduced to me and my husband. The stoplight metaphor is wonderful and easy to understand. Your explanations for positive and negative scores and the little doses of reality are great! I finally understand how the score is determined! I like how you have links to explanations and easy to read articles after each section. Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement. I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area. I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore. I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score. Mr Hugh had to access my account and study credit history and cleared an overdraft of $3,400 on my account which a scammer massed up my checking account. join him on Telegram @hughfisherman 984 226 8349
#Kathy Fiona - Says,

I love the Credit Report Card beta program Mr Hugh Fisherman introduced to me and my husband. The stoplight metaphor is wonderful and easy to understand. Your explanations for positive and negative scores and the little doses of reality are great! I finally understand how the score is determined! I like how you have links to explanations and easy to read articles after each section. Your explanations are clear-cut, user friendly, and even the negative ones are composed constructively so that there was no lingering negativity after reading it, just food for thought and guidelines and pushes toward improvement. I can see that I've been doing the right things in four areas, and the only thing pulling my score down is in the last area. I didn't know that credit scores worked that way, and I don't feel so bad about my bad credit anymore. I know what to work on, which, admittedly, I knew before, but now I know there's something positive on my credit score. Mr Hugh had to access my account and study credit history and cleared an overdraft of $3,400 on my account which a scammer massed up my checking account. join him on Telegram @hughfisherman 984 226 8349
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