I found several good reviews on ALBERT GONZALEZ a trusted credit repair specialist. I contacted him on; ALBERTGONZALEZCREDITGURU@GMAIL.COM, +1(786)-749-5862 and after discussing the process, we got started. He raised my score from 400 to 870 , posted good tradelines on my report, deleted the bankruptcy and the judgments and increased my credit line to $80k. All late payments appeared as on time payment and he effected the changes across all 3 credit bureaus. He is the best amongst his kind.