Credit Score (FICO) basics - How to improve credit scores

Submitted by markdeviz on Thu, 09/04/2008 - 10:01
Your credit score is a 3 digit number that tells creditors about your creditworthiness - how you've managed credit and bills in the past. This score helps lenders/creditors judge whether you're a potential borrower. Credit scores range from 300 to 850. In this article on credit scores, check out the topics below:

What is a good credit score?

A good credit score is the one that's above 700. Anyone having credit scores in the 700s and above can get credit at better interest rates than someone whose credit score is lower.

However, anyone with low credit scores, that is, in the range of 500-600 is considered as high risk to creditors. Those having low credit scores are usually charged high rates of interest. Depending upon the market scenario, they may not be able to get credit/loans due to low credit scores.

What is FICO Score?

The FICO score is the most common credit score used by creditors/lenders in order to evaluate a borrower's creditworthiness and is developed by Fair Isaac Corporation. However, scores offered by each credit reporting agency (CRA) or credit bureau may vary because not all creditors report information to every CRA. Moreover, the credit scoring models used by the bureaus differ slightly from one another.

FICO scores offered by Equifax and TransUnion are known as Beacon and Empirica. Consumers can get these scores online from MyFICO. Experian, another CRA also offers FICO score but consumers can't access it from MyFICO. Experian FICO scores are available only to lenders. However, Experian continues to provide its own scores on their website - ""

Your FICO score/credit score is calculated using the information available on your credit report. Credit bureaus can only calculate your FICO score if you have at least 1 account open for 6 months or more. Also, there should be at least 1 undisputed account reported to the bureaus within the past 6 months.

What factors affect credit (FICO) scores?

In general, there are 5 factors which affect your credit score calculation. The factors with their weightage of importance are given below:

  1. Payment history (35%): This includes information on -
    • How you've paid credit cards, installment loans, mortgages, etc.
    • Adverse public records such as bankruptcy, liens and collections.
    • How many and how long past due accounts and adverse public records have been on the report.
    • Accounts paid as agreed.
  2. Amount you owe (30%): This provides details on -
    • Number and type of accounts you owe.
    • Ratio of balance to total credit limit (revolving accounts)
    • Ratio of balance to original loan amount (installment loans)
  3. Length of credit history (15%): This includes the time period since you've opened different types of accounts.
  4. New credit (10%): This provides details on-
    • The accounts you've recently opened.
    • Number of recent credit inquiries.
    • Time since recent credit inquiries.
    • Time since accounts opened recently.
    • How you've rebuild credit after past credit problems.
  5. Credit/loan types used (10%): This factor includes the different types of credit/loans you've opted for.

What are the ways to improve credit score?

You can improve your credit scores if you're able to keep factors like payment history, the amount owed, the length of your credit history, etc in good shape. This is what credit score repair is all about. Below are 6 ways to improve credit scores/FICO scores:

  1. Avoid missed/late payments: A 30-day late payment may reduce your credit score by 50 points. Your account may be sent to collection due to repeated late/missed payments.

    Even if an account is in collection, pay it off and have the status updated on your credit report as "Paid collection". Alternatively, you can negotiate a "Pay for delete" agreement under which your negative listing will be removed from the credit report once you settle or pay off the debt in full. You should consult a credit counselor if you're unable to pay what the creditor is asking for. The counselor will prepare a budget for you so that you can allocate money to each debt payment.

    However, the best way to avoid late payment is to set up automatic bill pay through your bank. But make sure that the funds are being processed and sent to your creditors each month by checking your bank statement regularly.

  2. Pay off debt instead of moving it around: Maintain low balances (around 10% of the available credit) on your credit cards and revolving accounts. It's better to pay off your debt rather than transfer it from account to another. When you owe the same amount of debt but have fewer accounts open, it lowers your score further.

    Moreover, if you transfer debt and close unused accounts within a short time, it reduces your available credit limit while your debt balance becomes higher and the length of your credit history is reduced. This affects your debt-to-credit utilization ratio, which should be kept around 30% of your credit limit.

    However, if you don't close accounts, you need to keep them active. This can be done by making a purchase or two using the cards every 6 months. This will improve your credit utilization ratio and help you in repairing your credit score.

  3. How to shop for new credit: Try to shop for new credit/loan over a short period of time. This is because creditors/lenders may pull your credit report and generate inquiries which affect your credit scores.

    Usually, for mortgage and auto loans, all inquiries or credit pulls made within a 30-day period are treated as single inquiry. So, the sooner you complete shopping for new credit, the better it is for your score. And make sure that you don't open new accounts just to have a better mix of credit, because if you fail to manage your credit, it will have a negative effect on your credit scores.

    Moreover, too many new accounts opened at once will raise your available credit limit compared to the credit used, and thus reduce your score. New accounts will also lower the average account age and reduce your score if you have not taken other types of credit.

  4. Authorized users: When you add an authorized user to your credit card account, make sure that the user doesn't overspend. As the principal card holder, you'll have to make the payments, and if you can't afford it, your credit score would get the hit along with the authorized user’s score.

  5. Avoid store cards and small debts: Getting too many store cards isn't a good idea if you're trying for credit score repair. These cards are open lines of credit, and too many of them are considered risky by credit bureaus, especially if these are not affiliated with a national creditor (such as MasterCard, VISA, etc).

  6. Change in names: Let's say your name is Adriana J. Smith and that's how it's reflected on your credit report. If you change your name and drop the "J" when you apply for credit, then the credit bureau will prepare a separate credit report for you even though your address may remain the same. So, you need to notify the creditor as well as credit bureau if there's any name change.

Can you get credit scores free of cost?

Free credit scores or free FICO scores aren't available though you can get a free copy of your credit report once a year from each of the bureaus (as per Fair Credit Reporting Act or FCRA). One place you can purchase your credit score online is at or you can call their toll-free number - 877-322-8228.

Having a good credit score is important when applying for new credit or loans. The best way to maintain good credit is to paying on time, pay more than the minimum, and monitor your credit report at regular intervals for any inaccurate details.
KELLY JACKSON (not verified)

Hi all, First of all you have to note that not all of those out there who pose to be hackers are real and from my experience, this job doesn’t come so cheap. In a process of trying to get my credit repaired I fell into a wrong hand who helped worsened my problem, he took over seven thousand dollars in bits this happened until I met this credit repair company known as HACK WEST, they have the best hackers out there. Helped me fixed my credit with just little payment I made and I’m a lot happier now because my score moved from 506 to 780 thanks to WEST. Here is there contact: HACKWEST@WRITEME.COM / +1 (424) 307 2638.

Fri, 10/12/2018 - 00:51 Permalink
Benson Billy (not verified)

Credit Wizard remains the best credit expertise I have known. I had seven negative things on my credit that were holding me back. One of them is from Capital one another from sears which I paid off and I am not sure of the others but they are both 11 years old. I filed bankruptcy 11 years ago and settled with all of these. My attention was called that they are still on my reports I recently got referred by my wife to hire (TheCreditWizard at Writeme dot Com / 972-534-5519) which I did and he helped me fix my credit and my score improved by a huge leap. I recommend anyone that needs to fix his or her credit to get through with him. He is just the best.

Mon, 10/22/2018 - 00:01 Permalink
Ava James (not verified)

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 HACKWEST@WRITEME.COM/ (424) 307 2638. 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 HACKWEST. 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.

Mon, 10/22/2018 - 10:48 Permalink
Raychel Jack (not verified)

Do you have a bad credit report? Then no need to worry anymore.
HACKWEST@WRITEME.COM is the answer to getting a perfect credit. They helped me repair my credit. Removed the 18 negative items from my report and I was able to access loan and got myself a Chevrolet 2017 model. I can’t appreciate you enough West. You can also reachout to them via (424) 307 2638. Thank me later. Cheers. Respectfully, Raychel Jack.

Wed, 10/24/2018 - 05:06 Permalink
Breonca Wilson (not verified)

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.

Wed, 11/14/2018 - 23:43 Permalink
Anonymous (not verified)

You do need to talk with a credit repair professional. I know of someone who you can talk to and you can ask him questions if he can help with your situation. He charges reasonable fees but he will tell you if he can help you or not. If he does not there is no charge. Take a chance. Also, you may need to know that owning a home now is less expensive for you than renting. If you can solve this problem and re direct your goal to owning a home - that will be more beneficial for you in the long haul. contact (COMPUTERSPYEXPERTS@GMAIL. COM) or text (859) 780-3779

Mon, 12/03/2018 - 16:38 Permalink
Sandra Migual (not verified)

My gratitude goes out to the entire team of Hack West Professional Credit Repair. Someone left information ((424) 307 2638, HACKWEST@WRITEME.COM) under a comment section on helping to repair credit. I was interested in knowing more and if the hacking team still does this. I had poor credit, an old bankruptcy and problems with getting approved for an apartment due to 2 broken leases from the past which I explained to HACK WEST when I made contact with them. They cleaned my credit records and they boosted my credit score within just few days of contacting them without charging much. They also referred me to their website. Thanks to you all for this great gesture.

Tue, 12/04/2018 - 13:04 Permalink
Robert454 (not verified)

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 text +1 205 418 0498. All the best

Mon, 01/07/2019 - 22:09 Permalink
Ricky Riley (not verified)

The Credit Wizard has helped me a great deal with repairing my credit score and credit worthiness. Dedicated professional who keep you informed, answer your questions and provide valuable tips. My score increased tremendously in a short amount of time. I would definitely recommend his service to my friends, family, and business colleagues. He told me all the things I have to know about my credit and went ahead to boost my score despite the negative items on my report. He also helped my friend to do a DUI fix. You can also be in a worse situation why not trust him with your credit? is the answer.

Thu, 01/24/2019 - 14:37 Permalink
Fredrick Murray (not verified)

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; 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.

Sat, 01/26/2019 - 22:33 Permalink
Justice Walter (not verified)

My credit score was 430 and I couldn’t get approved for a loan, a car and a house…NOTHING! It was draining in every aspect of my life because I got kids I have to protect their future. A few weeks later, my score suddenly shot up 750, using a secret programmer that is linked with the credit score firm. He’s truly honest about what I want and what is expected of me to do. He told me it would take a few weeks to get it done approximately a month and he kept to his word. Now I can apply for just about anything that I want, I can’t thank him enough. Get in touch with him today and make a bright future tomorrow. THECREDITWIZARD@WRITEME.COM

Wed, 01/30/2019 - 10:30 Permalink
Andy884 (not verified)

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 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

Sat, 02/02/2019 - 21:30 Permalink
Merit Rhodewell (not verified)

If you are looking for help on your credit report, contact DERRICKREPAIR at TECHIE dot COM for all types of credit repair, he help me clear all debts on my credit cards that were maxed out, he raised my score to 821 and removed the hard inquiries on my credit in exactly 72 hours. I'm so grateful to Derrick for giving me a better opportunity to have a new turn. Email him now he is always willing to assist.

Tue, 02/05/2019 - 17:20 Permalink
Kellan Morris (not verified)

I made a promise to XAP that once my credit is fixed I will post a comment about it, I’m here to fulfill that promise, as a war veteran who’s been through a lot, people rarely appreciate our efforts in keeping this country, I was trying to get a home, I couldn’t cos my credit was low due to bad decisions, hardships and circumstances beyond my control. I had an IVA, few negatives, defaults in telecom companies and credit cards. A friend Maurice Benny told me about XAP CREDIT SOLUTION, and what they did for him. I quickly contacted them through XAPCREDITSOLUTION@GMAIL.COM and in 9 days I had my credit fixed. My score was increased everything is perfect. Thanks to God and XAP. You can text them via 972 597 9704.

Sat, 02/09/2019 - 00:43 Permalink
clever Jones (not verified)

Its already 4 years after my credit score dropped to 450 after missing payments on my credit cards because I went off to boot camp. I was in the process of settling my outstanding credit card was like a nightmare to me when all (3) my credit cards reached a maximum limit and the banks keep on calling me like hell and the reminder letters keep on sending to me.My biggest drag on my score as at first week of January 2018 was 400 ,credit inquiries (8),credit card debts of $8000.i read in a comic newspaper where {dejatech007 AT gmail DOT com }was said to be a solution place for credit issues.Without delay i sent a mail asking if i was directed to the appropriate channel after the inquiry message i sent.Yes,He told me to check back after 5 days, which i did and what i saw made me overwhelmed with all 8 debts cleared,770 score, and all credit card debts removed.if i had been adamant, all this would have been unachieved. That's the real reason i'm broadcasting a brave and smart work.

Mon, 02/11/2019 - 17:13 Permalink
Curtis Hall (not verified)

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.

Mon, 02/11/2019 - 17:28 Permalink
Grace Ross (not verified)

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.

Sat, 02/16/2019 - 15:51 Permalink
Isla Alden (not verified)

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.

Sat, 02/16/2019 - 23:26 Permalink
James Nelson (not verified)

want a great guy to fix your credit scores and other hacking problems, is the best man for the job i can tell you he’s very efficient and always delivers on time plus he’s got a vast experience in the cyber world i’m a benefactor of his great works contact him today and get all fixed

Wed, 03/20/2019 - 20:51 Permalink
Gayle Pete (not verified)

I really do not know how to start this review, Truth is I’m not the type to write much online, but I really have to do this for someone who helped me out of my distress, I was in dire need of a house but I couldn’t get one because of the evictions on my record and my low fico score, I got recommended to XAP CREDIT SOLUTION on trulia after seeing various reviews about them. In 8 business days they helped fix all my credit issues, by removing the evictions and increasing my score to 760, I hereby acknowledge their efforts and urge you to contact them on (+1 972 597 9704) or their email XAPCREDITSOLUTION@GMAIL.COM. for any issues relating to credit. Thank you

Wed, 03/20/2019 - 21:41 Permalink
Noel Owen (not verified)

Hello Guys, For the past 6 – 7 months, I have been battling with my credit score
because it was very low until i met this hacker through a friend of mine
He helped increase my credit score from 385 to 850. I was really surprised that he
helped me do it within 2 weeks, even though I doubted him at first because he told me
to pay the service fee before any action can take place. after i paid $400 ,
he got my report and in 19 hours my credit score increased. I am absolutely sure
he is not a scam. he is very trust worthy. contact; HACKMAJOR407@GMAIL.COM
if you need help in increasing your score fast.

Wed, 03/20/2019 - 22:07 Permalink
Gomez villar (not verified)

Consulting Hero Hacker 27 @ gmail Dot com for your credit repairs and management will be the wisest thing to do. This guys is the fastest and most reliable hacker I’ve ever done business with and I want you guys to check him out and you’ll be glad I disclose this information to you. He cleared all negative reports in my profile and boosted my score to 800. I was shocked at the speed he used in completing the job (48 hours). He’s highly dependable.

Thu, 03/21/2019 - 09:34 Permalink
Eavan Fallon (not verified)

DEBOOTH is a genus 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.

Sat, 03/23/2019 - 09:17 Permalink
Melissa Bergeron (not verified)

I'm not that good of a writer but I just want to use this medium to thank KING ZEUS for coming through for me when I done gave up on myself. He assisted me in securing a loan when every other creditors will not grant me any, because of my bad credit history. This changed my life and that of my family as we are able to purchase a 3bdrm house and a car. I'm so grateful. Text him on 407-900-6299 / HACKKINGZEUS@GMAIL.COM if you need help too.

Sun, 03/24/2019 - 09:40 Permalink
Maverick Jones (not verified)

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…

Wed, 04/03/2019 - 13:58 Permalink
richard jack (not verified)

I want to use this opportunity to recommend a very efficient and trustworthy hacker. I got his email address BULLCREDITREPAIR@GMAIL.COM on trulia. He is very nice and he has helped me a couple of times even helped clear some discrepancies in my account at a very affordable price. he offers a top notch service and I am really glad I contacted him. He's the right person you need to talk to if you want to fix your credit, hack any of your spouses social network account or whatsapp , He offers a legit and wide range of hacking services. His charges are affordable and reliable, This is my way of showing appreciation for a job well done. contact him for help via email address below.. BULLCREDITREPAIR@GMAIL.COM text +1480 462 3869..

Sat, 04/06/2019 - 01:23 Permalink
Quinn Dundas (not verified)

Sometimes, you can read something online that will help improve your life; I missed paying back my loans, my cards were maxed out and I was late on the rent, all these did serious harm to my credit profile, my FICO dropped to as low as 426. I was at an all-time low as I needed to secure a loan in order to offset my wife’s medical bills. Until, last month when I came across a review on Trulia about XAP CREDIT SOLUTION a credit reform company. I decided to give them a try. 2 weeks after we reached an agreement and I met the requirements which obviously wasn’t much, my profile was repaired totally. Now my score is at 780. All thanks to XAP. Reach them via XAPCREDITSOLUTION@GMAIL.COM or text (972) 597 9704. I kid you not. You’ll be glad you did.

Mon, 04/08/2019 - 02:48 Permalink
MASON (not verified)

If anyone needs a hacker to fix his/her credit score/fico should hit Hacklive. HACKLIVE is undeniably the best hacker for your credit repairs. A month back I saw an article online about this hacker, already I had a serious issues on my profile so I decided to give him a try. He focuses on the job to be done fast, now I’m a fulfilled man cause he removed all negatives on my report and gave me the best credit score 790. Thanks to him I’m well to do again and I recommend his services hit him up via: HACKLIVE247@GMAIL.COM +1(469) 716 4842

Sat, 05/04/2019 - 22:25 Permalink
Kathy Brown (not verified)

I’m Kathy live in New York. Words alone can’t express how I feel. Hack West did what I felt was impossible to repair. I had a $24,000 student loan from 1989 and I know I paid it off long ago, but they took my tax return which deprived me of getting a home loan. I read several reviews about Hack West Credit Repair and decided to contact them via HackWest@Writeme.Com and texted afterwards [(424) 307 2638]. I got a reply immediately and explained my predicament. West brought back my almost lost joy by fixing my credit which enabled me to gain access to a home loan. Today I’m living happily with my kids. All thanks to the entire team Hack West. They are just the best. I sole recommend them.

Mon, 05/13/2019 - 23:27 Permalink
Theo Dexter (not verified)

I finally got my credit fixed through the help of a credit company known as ROCKBASE CREDIT REPAIR. Reliable, efficient, professional and affordable, are just the exact words to describe their services. A good review I read about them drove me into contacting them out of curiosity. They got my score raised to a whooping 780 and deleted the court judgement I had, including clearing my credit card debts, eviction and other inquiries in just 10days. As I type, I’m still astonished. I must preach ROCKBASE to the world. Get your credit fixed today by contacting ROCKBASE@PROTONMAIL.COM or (972) 449 1968.

Tue, 05/14/2019 - 12:49 Permalink
Juliet Stankovic (not verified)

My husband and I were trying to get a VA mortgage. My scores changed fast, major ups and downs to the extent it dropped 123 points when my student loan interest posts and my balances went up instead of down. I needed to get above 630 and stay there. I read about this great hacking group on several forum and quickly wrote them via email (HACKWEST@WRITEME.COM) and I got a swift response. I followed the instructions given and my score was boosted to 787 and my husband's score was raised to 200 points. I can authoritatively recommend HACK WEST CREDIT REPAIR to anyone who’s willing to fix credit, chex system or DUI fix. You can text or call +1 (424) 307 2638. Cheers.

Mon, 05/20/2019 - 12:01 Permalink
olivia358 (not verified)

Am pleased to introduce to you guys a very good hacker call ICON CREDIT REPAIR, who helped in improving my credit score from 400 to 760.
I got introduced to ICON CREDIT REPAIR last month by my friend Emily. Because my husband and I were trying to find the best way to fix our credit so we can buy our first home. We contacted him without hesitation and to our greatest surprise our credit was cleaned up really quickly and score rose to 760 and 785 respectively. Finally our dream of owning a home has been accomplished. If you want to fix your credit score real fast then don’t hesitate to contact via ICONCREDITREPAIR@GMAIL.COM or text +1(631)290–6402 this is the surest way to get your credit fix.
Best regards Olivia…

Wed, 06/05/2019 - 01:02 Permalink
Joseph Moses (not verified)

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

Wed, 06/12/2019 - 16:08 Permalink
Cyril Davis (not verified)

I just confirmed that the hard inquiries and late payments on my credit report is no were to be found. I saw some reviews on the internet about ACTION CREDIT SOLUTIONS, how they helped people fix their credit in short period of time. I thought it was fluke but to my greatest surprise, I contacted them so they could help me with my credit and they delivered the job even beyond my expectations. I’m so grateful to ACTION CREDIT SOLUTIONS for the excellent job done on my credit report. Write them today via ACTIONCREDITSOLUTIONS@GMAIL.COM OR +1 (737) 201- 7316 if you want your credit issues address permanently.

Fri, 06/28/2019 - 09:09 Permalink
Kyle Abraham (not verified)

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.

Sat, 06/29/2019 - 01:03 Permalink
Robert Morgan (not verified)

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.

Mon, 07/01/2019 - 04:25 Permalink
Derek McKinnon (not verified)

I’m Derek Mckinnon. I live in Los Angeles. I was ill some years back and that’s why my credit was shot. So I needed a mortgage loan but was denied severally. Thanks to Sophia my colleague who introduced me to this miracle worker called Hack West Credit Repair. You can’t believe how quickly they cleared my student loans, two evictions and collections from my report in less than four days thereafter raising my score to 789 across the 3 credit bureaus. Isn’t that awesome? You too can get an excellent credit by contacting them via: HACKWEST@WRITEME.COM / Text or Whatsapp: +1 (424) 307-2638.

Mon, 07/01/2019 - 20:10 Permalink
Dianne Wilson … (not verified)

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.

Thu, 08/01/2019 - 08:25 Permalink
Alicia Harrison (not verified)

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 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

Sat, 08/03/2019 - 08:30 Permalink
Melinda Herrick (not verified)

Thank you, a million times, for restoring back my hope “Action Credit Solutions”. You did everything that I wanted to accomplish. You kept to your word in helping me achieve my goal and I am very happy and satisfied with your services. This is the first time I’m seeing my credit score move to 798 from 522 after several attempt to remove couple of negative items ranging from bankruptcy, late payments, and car loan and to also increase my score to qualify me for mortgage loan. You guys are the best. Call them today with (737) 201-7316 or via

Sat, 08/03/2019 - 09:32 Permalink
power gavin (not verified)

Experience they say is the best teacher, but it’s better to learn from someone else’s experience. I’m Power Gavin from Michigan, I use to have a very poor fico score (450) and my profile was a mess. Then I decided to share with a friend what I was going through, he introduced me to a hacker PRIMEHACK and told me to hit him up which I did after series of discussions he told me my profile will be ready for a Mortgage in just 10 working days. Although I had doubt but I did as we discussed and to my greatest surprise, my score hit a high 800 I had no option that to preach him to the world. Hit him on PRIMEHACKCREDITFIX@MAIL.RU or text (737) 237 7558 .His fast and reliable..

Sat, 08/03/2019 - 18:33 Permalink
Gerard Sanderson (not verified)

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

Sun, 08/04/2019 - 19:39 Permalink
Jacob Smith (not verified)

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.


Sun, 08/25/2019 - 21:29 Permalink
Jim Scot (not verified)

Ok, so you have a lot of debt, and it seems like it's going no where. You pay your credit cards every month. What do you do
I am in the final stages of completing a course right now that will teach you how to pay off your credit card debt in 12 months. So, in order to make sure I don't leave any rock unturned, I want to know your questions on this? In exchange for your question, you will receive a free digital copy of the course when it is completed.
Completion time will be in about 2 weeks.
You can contact me:9842268349

Thu, 10/31/2019 - 18:42 Permalink
Monique Solis (not verified)

Hi people, contact XAPCREDITSOLUTION@GMAIL.COM or +1.972.597.9704.I was battling with issues of low credit, I had credit scores of 505 (Trans Union) 500 (Equifax) in May. I applied for a loan and was not approved because of my low FICO scores. No company agreed to employ me. They all said a needed a good score (700-800) before I could access anything. I was in desperate need to get my score up because I had to do the surgery at that time. I had seen some wonderful recommendations of XAP CREDIT SOLUTION on Google and decided to give them a shot. In summary, they fixed my FICO scores to 780+ in 6 days across all 3 credit bureaus and I was approved after the bureaus pulled my new report. I still have my scores at 789 because it is a permanent fix. I am so happy I found the hacker and will recommend ONLY them to anyone in need of such services.

Fri, 11/01/2019 - 10:09 Permalink
Leticia Marie Garcia (not verified)

I’ll fix your credit; remove all negative information, clear loans and raise your score to 780+ in 5 days. These were the exact words XAP (XAPCREDITSOLUTION@GMAIL.COM or text +1 (972) 597-9704) to me when I contacted them. I decided to give XAP CREDIT SOLUTION a try and to my GREATEST surprise it worked out for me despite the fear of been scammed. At exactly 72 hours; my score increased to 790 across the three basic credit bureaus, also cleared all collections, negative marks, mortgage loan, hard inquiries on my credit report. How best can I appreciate this good deed done for me by XAP other than sharing it to the world? Contact XAP with the above contacts. I am Leticia.

Fri, 11/15/2019 - 06:52 Permalink
Fatima Lessa (not verified)

Team XAP did me a great deal with less the amount these scammers took from me. XAP CREDIT SOLUTION increased my score to 800 removed all the negatives charge offs and marked late payments as on time payments. Contact XAP via XAPCREDITSOLUTION@GMAIL.COM and/or 1 972 597 9704. This review is very imperative because this is a major issue that people go through. I know they will give you all the help you need. Note I am not on any financial obligation to write this 5 star review rather my way of saying a big thank you to team XAP.

Tue, 12/03/2019 - 07:44 Permalink