This Hacker/ Programmer was recommended to me by a close friend who works at a reputable IT AGENCY. i have met a lot of scammers but i kept on trying until i contacted the programmer (ex FICO and Experian agent) and he fixed my credit, raised my credit score and cleared all negative listings on my credit and boosted my score from 400 to 870 in less than 3 days. I would have kept quiet about this, but i won't be able to forgive myself for not helping people who are in terrible conditions like i was. ALBERT GONZALEZ CREDIT GURU AT GMAIL DOT COM or Text:{786}-749-5862 is the programmer's contact info . I wish you good-luck. Thank me later