For the past few years I have tried without success to fix my credit. The last attempt was last year of which they requested some payments, but it was not still resolved. I was making more research and by chance I found NERD ORACLE and his contact; NERDORACLE247 |AT| gmail |DOT| com. From many of the names I found for same reason, I identified more with him. I have always wanted to buy my house, but I have never been able to. I did buy one house in Houston but it entered foreclosure. My score was around 636 due to the medical bills, repossessions, student loans, etc. well I trusted NERD ORACLE with my credit and he delivered , bringing joy and reason to be happy back to my grasp again. He raised my score to 775 and deleted the bad items on my report and it still looks nice up to date. I promise to live better with my second chance