I have been struggling trying to pay off my credit card debts and now I find my FICO score drop down to 485. I will advise you to get in touch with Aaron Swartz the Credit Guru. He really helped me pay off my debts within few weeks and He raised my FICO score to 790 then swipe off the negative items on my report. While my credit report still looks nice up to date. Reach him for help via AaronSwartzCyberServices A T gmail {DOT} com ; Cell #: +1(614) 344-8376, your credit profile will be fixed.