Building Credit             Click here to Print



#Shelly99 - Says,

HI, I'm new here and i just turned 18. I am wondering what is the best way to start and build credit.
#GarySnober - Says,

Hi Shelly, Welcome to the forums. Ok lets start off with do you have a job? Some sort of income? You can apply for a secured credit card in which you put up money for the credit limit Say you put up 200 they will give you 200 credit card limit and these cards do report to credit bureaus and help you build credit. Next you can try to apply maybe at a department store but in this economy this may be tough to get one. I would say the secured credit card would be your best bet at starting to get credit.
#Mary - Says,

Hi Shelly
Yes, I agree with Gary. Since you do not have a credit history, you will not qualify for a new line of credit and so you have to go for secured credit cards in order to build up a good score. Now since secured credit cards are backed by your own money, there is not credit check done when you apply for the card. In order to build up a good history, all you need to do is to use the credit card regularly and repay it back within the due date.

#GarySnober - Says,

Hi, Yes a few more things to add. Yes use it regularly but please dont max it out in 1 month. Use it to about 35-40% max credit limit and pay it months and please dont be late on a payment.
#Russell - Says,

FYI Bank of America will run a credit check for a secured credit card. I just got denied after submitting a 300 dollar cashiers check. I was told the same thing " you can not be denied for a secured credit card " by a BofA banker. I have a credit score of 620 and was denied.
#Mary - Says,

I went through the B of A website for secured credit cards and checked the terms and conditions. It was mentioned that if you agree to the terms and conditions, you automatically authorize FIA Card Services, N.A (the credit card division of BOA) to pull out your credit and employment history. This means that the bank conducts a credit check even for a secured card. I think that you can go for other secured cards like Applied bank secured VISA card or New Millennium Bank card if you want to build up your credit.
#internet15 - Says,

Getting credit can be one of life’s Catch-22’s: it is hard to get credit if you don’t already have it, and if you already have it then you don’t need it. Young people and those who have never borrowed need to build credit over time so that they can qualify for larger loans when needed.
If you do not have a credit history, lenders do not know whether or not they should give you money. Without any credit history, they can’t tell if you are a responsible debt-payer or a bad risk. You need to build credit in order to prove your creditworthiness.
Remember that credit can be a useful tool, but it can also get you in trouble. After you build credit, you may be inundated with offers. Banks, credit card companies, and others will want to loan you money because they'll know you're a good borrower. Don't take them up on every offer -- only borrow money when it truly benefits you.

#Firang - Says,

internet 15 ,
Inorder to build credit one need to borrow, on the basis of repayment track record one's credit is built up.

But for the first time borrower it is difficult to get the credit immediately so they should start with secured credit card.Once their credit is built then they can go ahead and avail bigger loans.

keep us updated.

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#Jack - Says,

There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.

The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.

It's actually very simple. Sign up for Millennium Secured Credit Card and send them $300. Buy $90 worth of groceries on it and make the payments. Keep the balance under $90. Then sign up for alliedtrustdiamond.com and get a $10,000 unsecured credit card, buy something and make the payments. Do a google search for USA Shopping Club and sign up with them for $12,500 unsecured credit card buy something and make the payments, Eclub USA and get your $3,500 credit card and finally Horizon Gold and get your $500 credit card.

Once all of these companies report to the credit bureaus you are going to see an immediate increase in your FICO score. Guaranteed. Then you can work on getting the bad marks paid off and removed. It's much easier to get them permanently deleted if you don't owe them any more money.

#Margaret - Says,

Get a SECURED credit card. And buy things on it that you would normally buy of things you need. Buy, pay, buy, pay. and it will build up. Also, Look for a secured credit card that has no annual fee.
#Margaret - Says,

A secured credit card is a great way to build credit. But for opening a secured card often requires a deposit of $200-$500 that serves as an assurance to the bank that any credit you use will be paid back.

Other things you can do to make sure you're building credit rather than hurting it is:

1) Don't open several new credit cards in a short period of time. In the world of credit scoring, this indicates that you may be overextending yourself and can hurt your score.

2) Try not to use more than 50% or so of your total credit limit. Credit scores take into account "credit utilization," which is a measure of how much credit you use compared to how much credit is available to you. If you're using a lot of your credit, your credit utilization will go up and your score may go down.

3) Pay all your bills on time every month. If you're late on a payment, companies can report this late to the credit bureaus, which could damage your score. Also, some utility companies are beginning to report regularly to the credit bureau. As a result, your payment history on these bills will affect your score.

4) Check your credit report regularly to make sure what's on your report is and maybe more importantly, what shouldn't be on there isn't. Credit bureaus and the companies reporting to them can make mistakes and these mistakes can take a toll on your score. Stay on top of your credit and dispute any inaccurate information you may see.

#Margaret - Says,

Another thing you can do is-

Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments - freecreditreport.hotusa.org

#Steve_Smith - Says,

If you have a debit card with your bank account and have a job, it will be pretty easy for start to build your credit. Most stores are happy to extend credit for white goods or electronic equipment if you have a debit card. You need to make sure that you can afford to make regular payments, as being late will not help your cause. If you rinse and repeat this process several time it all helps with the process.
#sassygal - Says,

Be Smart about it for real! Don't bite a chunk too big to chew.....

Start small like a gas card (If you have a car) Even if you don't it's an easy and fast way to build credit ...Just don't lend it out.

Beware of sky high interest rates.NEVER EVER NEVER lock those in they will eat your wallet alive.

Beware of Lenders/Creditors preying on the young and non-informed as all things glittering definitely is not Gold....

PAY ALL BILLS ON TIME AND IN FULL IF POSSIBLE

#Brain12 - Says,

Good to check in here..!!
#Enriquehajela - Says,

First you start a job earn some money then go for secured credit card and make your credit.
#tracy - Says,

I am a college student and I want to build my credit so that I can apply for a car loan without my parents. I know that if I get a credit card and use that and make the monthly payments, this would build my credit but how can i be sure that this will build my credit?
#Aaron - Says,

Hi Tracy,

It is always better to earn before you can get a loan of your own. However, as you are a student, it won't be possible for you to do a full time job. You can rather try to get a part time job.

It is not good to use a credit card to pay off the loan. You need to provide more information on your credit so that I or may be others in the forum can help you in building credit.

Thanks,

Aaron

#cgeorge - Says,

I want to improve my credit scores for my business. Does anyone know of any methods to doing so?
#moniquec11 - Says,

I will be adding my son to my credit cards when he turns 18. That way it will report on his credit and he will benefit from my good credit history to get him started ( but he won't get a card) lol.... I use a little on them every month and pay them off...I never carry a balance. I will get him started in the right direction...but where he goes from there...will see. Hope I have taught him enough to know...he sees it everyday in my line of work...and how important it is to maintain a good FICO score.
#Open - Says,

The easiest and best way to avoid the sprial downfall of debt is to not get into debt. If you have debt, the best thing you can do is to make your monthly payments, and that means to make them on time. If the bill they send you has a due date on it, which they all do, then make sure that you send the payment in time for it to be posted before the due date. A late payment is a late payment, and a late payment will affect your credit history, your ability to get employment and in the most extreme cases the ability to keep the job you already have. Credit cards can be a good way to build credit, but, only if you don't abuse them. It's vital that all payments be recieved on time(as explained above). In todays economy it's going to be hard to get a card with a decent intrest rate if you don't have golden credit. That's a beacon score of at least 720 minimum. That's not to say you can't get a card, you'll just pay a higher interest rate untill you prove to the debt holder that you are responsible with your credit. As far as how long it will take to build your credit to the point where a bank is going to be willing to give you $15,000.00 to buy a new car? That depends. It's most likely going to be a couple years. The banks are going to want to get a payment history they can monitor to see how you pay your monthly payments. Some of what they will be looking for in a payment history will be Do you pay the minimum payment each month or do you pay more then the minimum each month, and how much more over the minimum you pay? Have you made your payments on time? How close to the max credit amount on your card have you ever been and how often? Have you ever gone over the maximum credit limit on the card and how often? Either way you will need a down payment. Expect to have to put down at least10 to 20 percent of the total of the loan. If you don't have any credit you could also get a co-signer. This is probably the best way to start growing credit. A co-signer takes most of the risk on a loan because they are the primary loan holder and the co-signer also will have a proven credit history. If you have a co-signer and you default on the loan, the co-signer is held responsible for repayment of the loan till the loans has been satisfied.
#rblack - Says,

You can apply for a secured credit card and the amount you deposit will be considered as your credit limit. Make sure you responsible use the credit card and pay off the bills on time. It can help to build
#LucyCowlergni - Says,

Secured credit cards are a terrific option for establishing or rebuilding your credit history. Generally accepted wherever major credit cards are accepted, secured cards are easy to get, even if you have bad credit or no credit history. Making your payments on time will help to build a positive credit reference.
#Breonca Wilson - Says,

Hello my name is Breonca Wilson. I contacted Hack West, a credit pundit on a beautiful morning after reading so many reviews online saying how they helped people fix their credit in less than no time. I said to West, if this is true, I’m definitely interested in working with you to boost my credit so I can purchase a home this year and he gave me a positive response. I initially had a SCORE of 504 with late payments, lingering debts and a bankruptcy that wouldn’t let me qualify for anything. In less than 2weeks, West completed my job and I currently have a score of 786, he cleared all the negative items on my report, in fact they were all replaced with some couple of beautiful tradelines. I have purchased the home and a car and I’m free to apply for anything I want. I’m so happy right now because it’s surprisingly amazing to ascertain such a result after several bad experiences. Here’s there email; HACKWEST@WRITEME.COM, Write to them and they will put a smile on your face. You can also text (424) 307 2638. Cheers and thank me later.
#Meka McDonald - Says,

Hi all, I always wondered how I could boost my credit score after constantly getting ripped off by lenders, banks and credit card companies due to my poor credit history. So I got referred to by a friend about this amazing company (Hack West Credit Repair) who helped remove negative items on my report and increased my credit score in a discreet manner. He charges reasonably and gives you evidence before final payment. West changed my life and I can now boast of having a home and a new business all thanks to Hackwest@writeme.com. West can fix your credit report and increase your scores in record time. He came through for me and he can also do same for you… You can also hit him up on (424) 307 2638.
#Emily6575 - Says,

My mom was scammed by someone who claims to be a repair expert back in late 2015 or early 2016. I tried to tell her it was a scam but she had already given her information’s and money. I’ve tried to tell her that she could try to get her money back but I think she doesn't believe that I know what I'm talking about. It really upsets me when these scammers target our parents & grandparents! I just lost my dad when they did this to her. They called several months after she paid for the service. Thank God I answered the phone & not my mom! I told them hell no & if they owe us money to either mail a check or credit the card they charged in the 1st place. No exaggeration, they called 6 times in a row one day. I kept saying no, they would hang up or I would hang up & they would call right back. This went on for about a week & finally the calls stopped. She lost about $500.00. They charged her around $150.00-$200.00 for "fixing" her Credit & then told her a year membership for about $300.00 more dollars. I don’t know which bothers me more, that she was scammed or that she won't listen to me when I try to help her. So after much argument she finally listen to me I called a friend Tracy that contacted a hacker that worked on a criminal records on her Dad so she gave me he’s contact and I contacted him and explained the situation and how possible could it be. He assured me of a clean and safe job and he will get done in just 4 days we provided the information he asked for and we contacted on Tuesday and on Friday everything was solved credit history looking superb and her scored increased to 200 points we are really grateful to you who may be reading this right now you want to fix your credit pick up phone and contact COLE (.)FRANK (@) CYBERSERVICES (.) COM OR text +1 (972) 798 8812 my name is Emily tell him I referred you have a nice day.
#Tony Gall - Says,

Thursday (November 22nd , 2018) was my thanksgiving day not because it’s a day set aside for we to be thankful but because it was the day I got my credit fixed by Hack West Credit Repair. I had all 3 bureaus reporting 550, 557, etc. main thing, I filed for bankruptcy chapter 13 to pay everyone back and then I asked to dismiss it. I had a couple of 60 days late payments but I was up to my limit on my cards but they were low limits; $300, $500 and $750. I signed up for credit saint in June but they are very slow in their process and couldn’t even remove the bankruptcy. I was making more research and by chance I found Hack West and his contact; HACKWEST at WRITEME dot COM, +1 (424) 307 2638. From many of the names I found for some reason, I identified more with them. I am a father of 2 children and I have always wanted to buy my house but by credit report, I have never been able to. I did bought one house in Puerto Rico but it entered foreclosure. Well I trusted Hack West with my credit and they delivered my life from shame and failure bringing joy and reason to be happy again. He raised my score to 789 and deleted the bad items on my report and it still looks nice up to date. Feel free to contact them and get your life back again.
#Rick Kennedy - Says,

Hack West Professional Credit Repair isn’t just a place of business it is a place of family where they truly care about your credit score and they help you raise and fix your past (which can be frightening and intimidating at first). We all make financial mistakes and I made those bad decisions that truly affected me in where I couldn’t ever gathered $100 loan. BUT HACK WEST (HACKWEST@WRITEME.COM/+1 (424) 307 2638) credit has helped me by taken me by the hand and raised my credit score from 460 to 780. They are very integrated, interactive and truly want to not only fix your credit score but help you at a second financial change at life. With them working hard for us, we are confident we can now truly fulfill our dream of buying our first home at Denver.
Hack West is a Blessing to us and can also be a Blessing to you, tell West Rick directed you. Truly I’m fulfilled. 2019 is settled hence I have an excellent score.

#Sarai Sumira - Says,

Having good credit is not something they teach you in high school or college. I had horrible credit and was burned a couple of times by hackers who provide "clean up credit" services. Working with Hack West Credit Repair was an entirely different experience. Hack West was honest. They did exactly what they said they would, within a short while, was always available and awesome. These things made all the difference. Thanks so much for helping to repair my credit; I now have a score of 760 with all hard inquiries removed. Reach them on HACKWEST at WRITEME dot COM or +1 (424) 307 2638.
#Cherry - Says,

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus (Ghostvirus789@gmail.com: +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays
#Cherry - Says,

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus (Ghostvirus789@gmail.com: +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays
#Cherry - Says,

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus (Ghostvirus789@gmail.com: +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays
#Cherry - Says,

"Words cannot express my gratitude nor Appreciation to Ghost Virus for he’s help." Sometime last year I was in a very terrible situation I was almost losing my house due to my poor credit outline. I reached out for help and searched online for a quick solution to my poor credit outline and to restore my life back without being kicked out of my apartment and suffering from so many things. I came across several reviews about Ghost how he helped a lot of persons with similar issue I was having. I contacted Ghost Virus (Ghostvirus789@gmail.com: +1 205 418 0498) for a quick solution explaining everything concerning my credit to him and I could really use he’s help he said okay and promised to help me fix my credit within 12 working days. My credit got fixed my score 395 was increased to a high 795 deleting all negative items and also increasing my credit limits and leverage. God bless you Ghost I’ll forever remain grateful to you Have a prosperous years ahead of you thanks. Cherry Idaho Connecticut Happy Holidays
#Barbara Fontana - Says,

I’m Barbara Fontana. I have used other credit repair companies before, and by far Hack West Professional Credit Repair is a five star in my ranking. They really helped me to understand what I was doing, and not just paying someone my money, not getting the results I was looking, and not understanding why I was not getting those results. I really appreciate the enlightenment I received while with Hack West Professional Credit Repair. Imagine your scrore jumping from 408 to 800 in less than 2 weeks; that was my experience after contracting Hack West for my credit fix. Thank you very much, and I will recommend you all to whom I meet and is looking for credit repair help. You can contact through ((424) 307 2638 HACKWEST@WRITEME.COM ) Again I say thank you!!!!!
#Robert454 - Says,

I want to acknowledge Ghost for dedicating so much making sure I get my credit fixed and my score increased qualifying me for everything. I had 4 negative items, couple of collections tons of debts, eviction on my profile. I needed to secure a new home for me and my family and also start a business this year. So after I contacted Ghost and we worked together got done fixing my credit which took about 12 business days to achieve, I got qualified for everything. I’m so grateful to Ghost you’re a hero thanks for everything. If you wish to get in touch with Ghost you can reach them on the address Ghostvirus789 AT gmail Dot com text +1 205 418 0498. All the best
#James Lawson - Says,

Hello Guys before working with COLEFRANKSERVICES I had a credit score of 531 to 542. I went looking for a loan from Metro Credit Union and they told me to pay my debt to Bank of America first which was about $4,800. At the time my credit report was awful with red mark all over it. I had a couple charge-off accounts and I was stressed out about them. I called the credit bureaus and asked them for my credit report. I found out I had about 7 negative items and 9-12 hard inquiries from every bureaus. While searching for solution, I found several good reviews about ColeFrankServices on different blogs and sites. At first I was skeptic and curious, so I sent them an email. They quickly replied back addressing me to an agent whom explained the process and everything needed to fix my credit there was absolutely no confusion. My credit score now is 795 and 790 deleting all the negative items on my report and also added beautiful Tradelines. Contact them COLEFRANKSERVICES@GMAIL.COM: +1 424 245 2993 if you have any question or you need their services. I paid absolutely nothing to Bank of America and it is all cleared in my credit report.
#Atkings McCain - Says,

A big Congratulation to us the (Wilson family) on our new home. My wife and I where down with our credit score and negative items on our report which disqualified us from acquiring a home and living to our expectations. So we made contact and dig the internet for a credible repair service. It happened we found Ghost Virus on credit blogs he is all over the internet we contacted him hoping for a reply which took about 2days due to how busy he is finally he got to us we had a chat and we were glad to work with him. He deleted all the negative items on our report (Student Loans, Collection, Medical Bills, Eviction etc) and increased our score to a high 795 the process lasted for 2weeks and we are here now. DOCUMENTATION BEATS CONVERSATION Restore your credit today and put yourself in the position to get your KEYS! Mail GHOSTVIRUS7890@GMAIL.COM Text 205 418 0498.
#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
#Ray Knox - Says,

Hello guys, when you want to upgrade your credit score or have an element removed from your credit report online I suggest you contact XAP CREDIT SOLUTION. Back in 2018 I had a major setback, if you think your credit was bad mine was terrible. I also had evictions that made getting an apartment difficult. My wife has a condition and I needed a loan but I couldn’t, she got seriously ill, my family needed serious help. So i was asking questions on how to steady raise my credit scores, the answers i got did not look like what could get my credit score up in near time. I got notification from a forum and lot of testimonies about a group of ethical hackers called XAP. Via their mail XAPCREDITSOLUTION@GMAIL.COM I contacted them. In 9 days they deleted all the negatives and repos. Thanks to them my score kept increasing until it got to 780. You can text them via (972) 597 9704. I sincerely recommend them. If you are serious with them they will be serious with you. Your testimony is sure…
#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 at GMAIL dot 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 at WRITEME dot 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.
#Grace Ross - Says,

Grace Ross by name, my experience at HACK WEST CREDIT REPAIR working with West has been outstanding. I was introduced by my realtor agent Daniel. I must confess I had a bad experience in the past with different agencies with trying to clear my credit. I have gained good credit ever since I started working with Hack West. West is second to none. I would also like to state that they actually treated me like family. Thanks to my realtor Daniel for recommending HackWest@Writeme.Com /+1 (424) 307 2638.
#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.
#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.
#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.
#Robert Morgan - Says,

I’ve lived in a rented apartment with my wife and two children for over 10 years. Although my wife and I decided to save so we could buy our own home. Unfortunately for us, our daughter Ashley fell sick and she was slated for surgery and we spent almost what we had to make sure she’s Ok. There was nothing left with us and it effected my credit and my score went down to 492. I ran into an old friend Fredrick back in college that told me about ACTION CREDIT SOLUTIONS. I don’t usually believe such things but he persuaded me to try them out, and honestly speaking there is a massive turnaround. My debts, charge offs, late payments are cleared. Thank God for bringing ACTION CREDIT SOLUTIONS my way. Contact them today via ACTIONCREDITSOLUTIONS@GMAIL.COM / +1 (737) 201 -7316.
#Kimberly Schwartz - Says,

My debts, tax lien and hard inquiries is completely removed from my credit report and my Fico score increased by 200 points. All these happened 12 days after contacting ACTION CREDIT SOLUTIONS and also had an understanding with them. I’m humbled, thank you for all your effort it really saved me from stresses and depression. You are my hero! You can contact them through ACTIONCREDITSOLUTIONS@GMAIL.COM OR +1 (737) 201 -7316. All the best wishes!......... Kimberly.
#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
#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
#Eldy William - Says,

Email PROHACK.NET@AOL.COM , CALL/TEXT VIA +1(252) 307-3167 for perfect CREDIT REPAIR.
Guys, am not suppose to say this, but it’s my TESTIMONEY, My ex frustrated me last year, she has clubbing habit and her wants was too expensive, before I realized myself, her much demands affected my CREDIT REPORT my SCORE that was 760s reduced to 380s. If not for my neighbor Mrs. Lily who recommended PROHACK.NET@AOL.COM to me, I would have been a CREMINAL because I can’t even afford my bills. ASAP I contacted him (PROHACK NETWORK) via +1(252) 307-3167 I was in touch with the CEO Mr. Scott; he assured me that his going to put smiles on my face and the repair is going to be a permanent one. Ladies and gentle men, as I publish this review my CREDIT SCORE is now 780, he fixed my bankruptcy, eviction, judgment, late payment, clears all my credit card debts, in fact he removed all negative items in my Report and increases my FICO Score. I recommend PROHACK NETWORK to you guys because I understand that so many people are also facing this challenges. Please contact him ASAP he can do it for you. Good luck.

#Esther Jacob - Says,

If you want a credit repair agency that’s legit and rewarding, then you need to contact ACTION CREDIT SOLUTIONS. I contacted them last month to remove my eviction and judgement from my report and to help increase my score, they told me in less than 14 days they could get my credit fixed. I was desperate and needed help because my life was crumbling and ACTION CREDIT SOLUTIONS removed my eviction and judgement and also increased my score to a high 800. I’ll forever remain grateful to you guys. ACTIONCREDITSOLUTIONS@GMAIL.COM and (737) 201-7316 is their contact. Thank you for helping me!
#Dianne Wilson Sherrod - Says,

This is my way of expressing gratitude to XAP Credit Solution. I was not sure what I was getting myself into when I spoke with him some months ago. I did not think he could get my credit fixed and also increase my limit so quick. By using XAP services, they cleaned up my credit to the point where I can now be qualified to purchase a home as an "A" paper borrower! XAP took my bad credit with bad FICO score of 450 and pushed it to 779!! Oh and to let you know I recently applied for a car loan at Gateway Bank and I was approved!!! I got a good rate and the vehicle I wanted. I could never even think that this could happen as soon as it did. Thanks a MILLION. I have been telling all my friends and colleagues about XAP, they deserve a ton of recognition for what they do. Hopefully this will assure others to trust their services and let them do what they do best; you can easily contact XAP by emailing XAPCREDITSOLUTION@GMAIL.COM and/or text: (972) 597 9704.
#Alicia Harrison - Says,

My name is Alicia and I’m here to thank Zenith Credit Solution for making my family happy again. I must tell you that I was skeptical at first about this Company when they told me they’ll remove all the derogatory items in my report and I had to pay certain amount. But believe me, giving in to their offer is the best thing that has happened to me this year.my credit score went from low 462 to a high 786 and my husband’s score went from 612 to 800. We did all they asked to do and delivered to their promise. They removed late payments, some charge offs, eviction and collections. We are still amazed at how awesome this company is. I contacted them with this number (301) 299-4765 and later via zenithcreditsolution@gmail.com
#Derrick L Johnson - Says,

Always do a background check on a hacker before assigning a job to him or her... Raymond Harleysville is a well known raycreditrebuild, he's well known for breaching the net. I never gave him a job he couldn't pull off. He hacks almost everything from Facebook, whatsapp, emails, instagram, Kik accounts, does background checks, accesses missing people, cellphone hacks for infidelity and monitoring, counter hacking hackers, legal bank transfers e.t. c. You can reach him via his email.....raycreditrebuild at gmail dot com or Text: (213)-419-4109
#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.

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