How to Get a Federal or State Tax Lien Removed from Your Credit Report

John Ganotis

John Ganotis

Updated Jul 06, 2018

When you have an unpaid tax bill with the IRS, your state, your city, or your county, a tax lien can be filed in an effort to force you to pay your outstanding tax obligation.

Liens exist to protect the right of the government to claim your personal property (money or actual property) if you do not pay your taxes. When a tax lien is filed it becomes a public record and, therefore, can be viewed by anyone… including credit reporting agencies.

Many people with tax liens on their credit reports mistakenly believe that the IRS or the state tax authority has directly reported the lien to the credit bureaus. That is a myth. Rather, the credit bureaus themselves proactively seek out tax liens and other public records like judgments and bankruptcies in order to include these public records on consumer credit reports. Tax authorities are not “data furnishers” to the credit bureaus like banks and collection agencies.

Tax Lien Terms to Know

  • Unpaid — A tax lien has been issued due to unpaid taxes, and the debt has not yet been paid. Tax liens with this status will likely remain on your credit reports forever.
  • Paid or Released — The tax owed has been paid, so the lien (government claim on property) has been released. Tax liens with this status will usually remain on credit reports for 7 year from the date when the lax lien was paid.
  • Withdrawn — The tax authority has withdrawn the public record of the tax lien. Tax liens with this status do not appear on credit reports.
Want to learn all about building your credit and how you can make the most of your credit cards? Check out our Learn section here.

Q&A Video: How Can I Remove a Tax Lien from My Credit Report?

How Tax Liens Affect Your Credit Reports

Tax liens are one of the most difficult credit issues for a consumer to overcome. Since FICO and VantageScore consider a tax lien to be a derogatory item, it’s likely that a lien will lower your credit scores. Even when a tax lien is paid and released, you will likely continue to see it negatively impact your credit scores for many years as long as it’s on your credit files.

Unfortunately, there is a strong possibility that an unpaid tax lien will stay on your credit reports forever.

Tax liens, unlike regular collection accounts, are not required by law to be removed from your credit reports after 7 years. In fact, the Fair Credit Reporting Act (the federal law which governs credit reporting) says that a tax lien is not to be removed from credit reports until 7 years from the date the lien is paid and released. Unpaid tax liens can remain indefinitely. In layman’s terms…FOREVER.

Differences Between Federal and State Tax Liens

If you currently have outstanding federal tax liens, there is some good news. There is a way to have paid federal tax liens removed from your credit reports prior to 7 years from the date when the lien is released. In 2011, the IRS introduced the Fresh Start Program, which contained a new policy regarding the way the IRS handles federal tax liens.

Under this program, if a taxpayer pays his or her outstanding tax bill in full, then the IRS will allow for the lien to be withdrawn upon request by the taxpayer. There is even a chance for certain eligible taxpayers to have their federal liens withdrawn by the IRS once they have entered into a payment arrangement (agreeing to pay the tax obligation in full) and have made a minimum of 3 payments.

Once your tax lien has been withdrawn, you can notify all 3 credit bureaus to request that the lien be removed from your reports. The credit bureaus do not currently report withdrawn tax liens on consumer credit reports.

The IRS’s tax lien policy does not apply to state tax liens. Still, if you have paid a state tax lien then you can always request a withdrawal from your state. While there is no guarantee that you will receive a withdrawal of a state tax lien after it is paid, it certainly can’t hurt to ask.

If you are eligible to have a state tax lien removed from your credit report, you can follow the procedure below to attempt to have a it removed from your credit reports. Otherwise, you will need to wait until 7 years from the date of release for the lien to be removed from your credit reports.

Remember: paying your tax lien will immediately release it, but this does not automatically withdraw it from your credit report. You must be meet certain conditions to be eligible for an early withdrawal.

Getting a tax lien removed from your credit report is not always possible, and the process is complex and potentially lengthy. We’ve put together a list of the steps you should take to have the best chance of having your lien removed. The process is very similar for both federal and state tax liens, but you’ll be using different types of documents for each. If you’re only concerned about a federal tax lien, skip the next section.

State Tax Office Contact Information

Each state has its own policies when it comes to tax liens and credit reports. Click the state’s name to contact your tax office for more information about your options.

Alabama Hawaii Massachusetts New Mexico South Dakota
Alaska Idaho Michigan New York Tennessee
Arizona Illinois Minnesota North Carolina Texas
Arkansas Indiana Mississippi North Dakota Utah
California Iowa Missouri Ohio Vermont
Colorado Kansas Montana Oklahoma Virginia
Connecticut Kentucky Nebraska Oregon Washington
Delaware Louisiana Nevada Pennsylvania West Virginia
Florida Maine New Hampshire Rhode Island Wisconsin
Georgia Maryland New Jersey South Carolina  Wyoming

Removing Tax Liens from Your Credit Reports

These are the complete steps to getting a federal tax lien removed from your reports, including the qualifications you’ll need to meet. This is the same general process to use for state tax liens as well, but the IRS only guarantees the withdrawal of tax liens. Each state has its own policies when it comes to tax liens and credit reports.

1. Request a Copy of Your Credit Report and Check for Accuracy

You can receive a free report from annualcreditreport.com. Any reported tax liens can be found on the public records section of the report. Once you have found the tax lien, you need to check the balance information. You must pay all liens in full before a credit bureau will consider removing the bad debt.

2. Contact the Appropriate Tax Office

Contact your federal or state tax office to confirm the outstanding balance and pay off whatever is left. This is a great opportunity to agree upon a repayment plan or if you have the ability, pay the debt in full. You must settle the debt in full or you will further damage your credit and will be prevented from removing the lien. Be sure to get your repayment agreement in writing.

3. Pay off Your Balance

Pay the debt, either in full or through the repayment plan you established with the tax office. Make sure you save all documents related to the repayment of the lien. Request a paid-in-full letter from the tax office. You will need to save these documents in order to make a case for removal.

4. Preparing to File a Dispute

For Federal Taxes

The IRS’s recent “Fresh Start” program has made it easier for people to request a withdrawal of a federal tax lien, granting withdrawals even when balances remain unpaid when they are under a certain amount. You may qualify for this, but there is no guarantee. To qualify for this program after the lien is released, you must usually meet the following 2 criteria:

  1. You have been in compliance with the law for the past 3 years when it comes to filing individual, business, and information returns
  2. You are current on all estimated tax payments and federal tax deposits

To qualify for the program while the lien is still being paid, you must generally meet the following 6 criteria:

  1. You qualify as a taxpayer.
  2. You owe no more than $25,000.
  3. The Direct Debit Installment Agreement must be on track to pay off the entire amount within 60 months, or before the Collection Statue expires, whichever is earlier.
  4. You are fully compliant with all other payment and filing requirements.
  5. You have made at least 3 consecutive payments in the direct debit payment plan.
  6. You have never defaulted on a Direct Debit Installment agreement.

If you meet either of these sets of criteria, you may be eligible to have the tax lien withdrawn from your credit report. If so, go on to the next steps.

  1. After paying off your balance in full or being granted a waiver for your unpaid balance, you should receive IRS Form 668(Z), Release of Federal Tax Lien
  2. Find your original IRS Form 668(Y), Notice of Federal Tax Lien
  3. Fill out IRS Form 12277, Application for Withdrawal of Filed Form 668(Y)
  4. Submit all 3 of the above documents to the IRS, along with an explanation of why you are requesting the lien to be withdrawn.
  5. After some time for processing, you should receive IRS Form 10916(c), Withdrawal of Filed Notice of Federal Tax Lien.
  6. You will use IRS Form 10916(c) in the next steps.

For State Taxes

After paying your tax lien in full, you will need to contact your state tax office and request a form verifying the release of the lien. This process will differ by state.

5. Dispute Online, Write a Dispute Letter, or Call the Credit Bureaus

You can dispute an item on your credit report in 3 different ways: online, by mail, or by phone. You must submit a dispute for every credit report that you want to remove the tax lien from. This means that if the lien is on all 3 of your credit reports, you’ll need to send a dispute to each credit agency.

Dispute an Item Online

The simplest way to dispute an item on your credit report is to use the online dispute process provided by each credit bureau. You’ll need to provide some identifying information, and then you can follow the steps provided by the credit agency. You can also use this service to check the status of your dispute, whether you submitted it online, by mail, or by phone.

Equifax Online Dispute Site Experian Online Dispute Site TransUnion Online Dispute Site

Dispute an Item by Mail

Write a certified dispute letter to all relevant credit bureaus reporting the tax lien and your full repayment of it (a certified letter requires confirmation of delivery, so you’ll know that your letter was received – ask how to send one at your post office). The credit bureaus may remove the lien if you have proof that the lien is paid, but this varies based on the situation and the state.

You will need to include all documents related to the lien with the letter. This includes the file number you’ll find on each of your credit reports. For federal taxes, this should include IRS Form 10916(c) from the previous step.

Make a copy of the section of your credit report that includes the tax lien, and circle the tax lien name and description with a bright-colored pen or marker. You will use this information in your letter and send the copy along with it. Once you have the documents and name of the tax lien, you are ready to write your letter.

See the next section for a sample letter you can use as an example, based on a template provided by the FTC. Just fill in the appropriate spaces with your own information.

TransUnion also provides a form you can print and fill out to mail in.

Credit Bureau Mailing Addresses For Disputes
Equifax
P.O. Box 740256
Atlanta, GA 30374-0256
Experian
P.O. Box 9701
Allen, TX 75013
TransUnion LLC
P.O. Box 2000
Chester, PA 19016

Dispute an Item by Phone

You can dispute a tax lien by phone as well. You’ll need to gather together all documents related to the lien, as explained in the section above.

Equifax Experian TransUnion
1-866 349-5191 Use the phone number found on your credit report 800-916-8800
Monday – Friday
Hours: 8 am – 11 pm EST
Closed on major U.S. holidays

Sample Dispute Letter for Tax Liens

[Your Name]
[Your Address]
[Your City, State, Zip Code]

[Date]

Complaint Department
[Company Name]
[Street Address]
[City, State, Zip Code]

Dear Sir or Madam:

I am writing to dispute the following information in my file. I have circled the items I dispute on the attached copy of the report I received.

This item: [identify item(s) disputed by name of source, such as creditors or tax court, and identify type of item, a tax lien. Include the date that the lien began] is inaccurate because I have been issued a formal tax lien withdrawal notice from [either the IRS or the state that filed the tax lien]. I am requesting that the item be removed to correct the information.

Enclosed are copies of [use this sentence if applicable and describe any enclosed documentation, like the copy of your credit report. For federal tax liens, you should also write “IRS Form 10916(c)” here] supporting my position. Please reinvestigate this matter and delete the disputed item as soon as possible.

Sincerely,
[Your Name]

Enclosures: [List what you are enclosing, like copies of credit reports and IRS Form 10916(c).]

6. Send the Letter to the Credit Bureaus

Finally, send the dispute letter and all supporting documents to all credit bureaus. Keep a copy of the letter for your records. Be patient in waiting for a response from the credit bureaus. They have 30 days to respond to your request and an additional 90 days to make a decision regarding the inquiry. The whole process can take as long as four months.

If you have feedback or questions about this, please contact us!

Was this helpful?
  • Monte Anderson

    I have a paid tax lien for an HOA bill that was past due. How can i get it removed from my credit?

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    • alwaysbeclozing

      Have you asked your HOA to remove the item from your credit report? Aren’t they your neighbors? Surely they will if you ask…

  • Robert

    For people that need help filling out the IRS form, here is a step by step guide:

    http://www.taxresolutionprofessionals.com/news/irs-lien-withdrawal-guide/

  • Terry Carrey

    Hi, above you outlined the Fresh Start Program. Are there any programs/ways to remove NYS tax liens?

    • John Ganotis

      I do not think New York offers a similar program, since they don’t mention anything like that on this page: https://www.tax.ny.gov/enforcement/collections/warrants_liens.htm

      A paid tax lien stays on credit reports for 7 years from when it is paid. If it is erroneously on your credit report, then you could dispute it.

  • Mona L Chinault

    Can I have a paid state lien withdrawn from my credit report and if so how?

    • John Ganotis

      The IRS has a program to give paid tax liens “Withdrawn” status, but not all states or local governments do. Otherwise, a paid tax lien will remain on your credit reports for 7 years from when it is paid.

  • Yelionora Petriyenko

    I paid off a state tax lien in Oregon. What are my next steps to try and get it withdrawn from my credit report. I’m lost and and don’t know where to start.

    • John Ganotis

      The IRS has a program to get federal tax liens withdrawn, but I’m not aware of a similar program in Oregon. You may be able to find someone more familiar with the tax laws in Oregon to ask if there is a way to get Withdrawn status for state tax liens there.

    • Mona L Chinault

      Thank you John for answering so quickly. I live in Maryland and did some more search. I called the state to find out. The state is sending a request to the district Court House asking for the liens to be withdrawn. Depending on individual case they may or may not withdraw the liens. It depends on how long and if you have stayed current on payments. I figured it’s worth a try. I’ll let everyone know as soon as I do.

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  • Warren Coker

    Does South Carolina have a tax lien removal program where I can get it withdrawn from my credit report? I have paid it in full and it was on my 2015 taxes. Any help would be appreciated.

    • John Ganotis

      They may have a program. We have not done in-depth research on each state since there are so many and there could frequently be changes on a state-by-state basis. I recommend you contact the South Carolina department of revenue to see whether there is a withdrawal program in South Carolina.

    • Tammy Carlisle

      South Carolina Department of Revenue Will No Longer File Tax Lien Satisfactions

      TOPICS:DORSCDORSouth CarolinaSouth Carolina Department Of RevenueTax Lien
      POSTED BY: JEFFREY T. ALLEN MARCH 7, 2014

      The South Carolina Department of Revenue (“DOR”) is the state agency charged with collecting most South Carolina taxes, including income taxes, sales and use taxes, and withholding taxes. If a taxpayer fails to pay an assessed tax liability, DOR may file a tax lien against a taxpayer, with the lien notice being filed in one or more of the county register of deeds offices. The filing of the lien notice makes the delinquent tax liability a matter of public record.

      Prior to March 1, 2014, when a taxpayer fully paid the amount secured by a filed tax lien, DOR would file a lien satisfaction with the county register of deeds office to release the lien. The lien satisfaction alerted the public that the lien had been paid in full. The satisfaction and the original tax lien both remained in the records of the register of deeds, however, and both could continue to be viewed by the general public.

      S.C. Code § 12-58-165 was added to the South Carolina Code on June 13, 2013, and now permits DOR to take action necessary to “expunge” the recording of a tax lien once the lien is fully paid and satisfied. An expungement, unlike a lien satisfaction, is a direction to the register of deeds office to remove the lien from the public record.

      Effective March 1, 2014, DOR will no longer file tax lien satisfactions. Instead, DOR will now file expungements when a lien is fully paid and satisfied.

      Taxpayer Impact

      The filing of a tax lien has an immediate negative impact on a taxpayer’s credit record which continues from the date of filing for up to fifteen years. When a tax lien is paid in full and a satisfaction is filed, a taxpayer’s credit record continues to be negatively impacted for seven additional years even after payment.

      DOR’s decision to file expungements instead of satisfactions effective March 1, 2014 is a taxpayer-friendly policy that will benefit taxpayers who fully pay and satisfy a lien. When an expungement is filed, the tax lien is removed from the public record and the taxpayer’s credit record. A taxpayer’s credit will no longer be negatively affected for seven years after a lien is paid.

      Taxpayers who fully pay a lien on or after March 1, 2014 do not need to take any action in order for DOR to file an expungement (aside from paying the lien amount). Taxpayers who have fully paid a lien prior to March 1, 2014 may request that DOR file an expungement. Absent a request, the lien will remain of record and continue to have a negative credit record impact.

  • wayne cox

    does anyone know if Ohio has a state tax lien removal program?

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  • TammyL

    any hope to remove the lien if its over 90K? I have install agreement in place.

    • John Ganotis

      Sure, if it’s a federal tax lien you can follow the process on this page to have it removed once you pay it off.

      • TammyL

        Thank you for responding. I haven’t paid it off yet but was still hoping to have it removed since I’m making payments. I read about a “withdrawal ” but that seems like a long shot in my case.

        • John Ganotis

          A federal tax lien can be removed when it has “withdrawn” status. As far as I know the IRS Fresh Start program can only be used to get “withdrawn” status once you’ve paid everything owed to the IRS (not while payments are being made).

  • Kristy Rhodes

    My wife and I have two state tax liens that we listed as Joint Responsibility. since the new law requiring specific information be associated with the tax lien was enacted, they were removed from my wifes report but they will not remove them from mine. I don’t understand why they removed them from my wifes report but not mine. Can you please shed some light on this or tell me if its possible I could have the tax liens withdrawing from my creidit report?

    • John Ganotis

      When it comes to state tax liens it really depends on your state. There is an IRS program to get paid federal tax liens withdrawn, but when it comes to state tax liens, the laws and programs vary from one state to the next. I recommend finding someone who’s familiar with tax laws in your state to ask, or you could contact your state’s department of revenue or similar department to see if they have a program like the IRS does for getting paid tax liens withdrawn and ultimately removed from your credit reports.

      • Alev Durmus-Pedini

        Hello John, same here in GA, they never put it on my husband’s but I can’t remove mine. However, Transunion said (opposite to what you said above) that they don’t seek out that information, the State informed them. Is this accurate?

        • John Ganotis

          Hi Alev, what specifically are you saying is the “opposite to what you said above”? Is what accurate?

          • Alev Durmus-Pedini

            Hi John, sorry to add a confusion. I was referring to your 3rd paragraph. “Many people believe…” I was talking to TransUnion at the time and they told me GA state reported my tax lien to them! After I disputed, it was still there, I disputed again this time they said it was reported a second time However, I looked at TU’s letter, it states that they or a company they hired collect this information!!! Plus GA Dep. of Revenue assured me that they don’t report this to anyone, but it is public record. However, TU is the only agency using this info and lowering my credit score, even though same lien applies to my husband, his score is clean…So they lied-But once it is on my record, it stays there 7 years even though using that information is just random???!!!!! Thanks so much.

          • John Ganotis

            The credit bureaus monitor public records, which is how they know about tax liens. Does that answer your question?

          • Alev Durmus-Pedini

            Yes, thank you John.

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      I’m really grateful to this great woman who really helped me put my life back on track ( [email protected] g m a i l . c o m ). I have really been in search of a good credit repair agency to help me fix my bad report which was preventing me from getting a loan or mortgage. 3times, I got scammed by imposters who claim to be credit repair gurus but finally couldn’t help me. Because I know life is only a game of number, I tried the 4th person I saw through Google recommendations,([email protected] g m a i l . c o m ). But unlike every other I’ve tried that failed me, She really delivered me a nice job. She did not just increase my credit score to 405 from a low 730, but also removed 5 negative items which included an eviction, student loan and bankruptcy. She is really the light at the end of my tunnel. You could mail her for similar need, I’m grateful Ms

  • Kristy Rhodes

    My wife and I have two state tax liens in Michigan that were listed as Joint Responsibility. Since the new law requiring specific information is associated with the tax lien was enacted, they were removed from my wife’s report but they will not remove them from mine. I don’t understand why they removed them from my wife’s report but not mine. Can you please shed some light on this or tell me if it’s possible I could have the tax liens withdrawing from my credit report?

  • Tracie Newell-Fallon

    I had a Fed and State tax lien, I paid both off 5 years ago, and have reached out to all 3 credit bureaus. I have asked how to have to how to get these derogatory marks off of my report. I am getting no where. I have submitted all necessary documentation etc. Help.
    Tracie Fallon

    • John Ganotis

      A paid tax lien will not be removed just because it has been paid. Only withdrawn tax liens can be removed. If you haven’t already, you can get a paid federal tax lien withdrawn by following the instructions on this site. Not all states have programs to give paid tax liens withdrawn status, but you can usually find out by checking with your state’s department of revenue. We’ve provided links on this page.

  • Linda Hernandez

    I have an unpaid lien that has been put on my credit report..What Im wanting to know is..is there a way I can have it removed from my report..? I feel that this bringing my rate down..and Im trying to see if i can get a loan..im going thru some bad financial issues at this time..is there maybe a letter i can get from the IRS to send to my credit report company to remove the lien?

    • John Ganotis

      If it is a Federal tax lien then once you pay it off you can get it withdrawn (and removed from your credit reports) by following the instructions on this page.

      • Linda Hernandez

        I read somewhere that, if I request, there is a letter the IRS can send me..to send to my credit report company..to remove the lien from the report..Im on an installment agreement at this time..so why would they put a lien on me??

        • John Ganotis

          If you read the instructions on this page they cover the criteria for being able to get a tax lien removed early, like being on track to pay off the entire amount within 60 months and not owing more than $25,000. I don’t know your situation so I can’t say for sure why you have a Federal tax lien, but that typically happens if you haven’t paid taxes on time. See this page of the IRS website for more details about that: https://www.irs.gov/businesses/small-businesses-self-employed/understanding-a-federal-tax-lien

      • Tammy Carlisle

        does released mean withdrawn?

        • John Ganotis

          No, those are different.

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  • Debo Jenkins

    I have a tax lien in Washington State that has been fully paid. It is listed on my credit report as a state tax lien but it’s from overpayment of unemployment benefits. Can you advise on the best steps for me to have this removed?

    • John Ganotis

      Just because a tax lien is paid does not mean it can be removed. A lien must have Withdrawn status to be removed. The federal government has a program to give withdrawn status to paid liens, and some states do, too. To find out if your state has a program like that I recommend you contact your state’s department of revenue or go to its website.

  • Faith Williams

    globaltechnologies46 AT Gmail DOT com is the most qualified of all the Credit repairers i have used him and also referred a lot of people and they have also testified to his service, he is too sure…i guarantee him 100% he helped me repair my bad credit… he’s too sure 100%

  • Kate Smith

    I was able to increase my credit score through creditscorerepairplc at gmail. com after i was referred to him on a blog by a friend and he was able to fix my score to 790’s, now I’m planning on getting my new home soon, thanks to him for this, so get to him you have any issue on your scores

  • Marty Griffin

    I assure you [email protected] is the best, I had all tax and collections removed permanently and also went from a 520 credit score to a 780 just in 10 days. If you plan on increasing your score or removing tax lien from your report, the first thing you need to do is to reach out to them. Their Services are just INCREDIBLE

  • Courtney Rae

    My husband and I are trying to buy a house, his credit score needs to go up 50 more points in order to qualify for a loan. He had unpaid taxes on his credit report so he went and paid it off in full. How long will it take for it to reflect his credit score? Having paid off his tax debt in full, will that help improve his score? Thanks!

    • John Ganotis

      Credit scoring models are proprietary and complex, and I don’t know your whole situation, so I can’t say for sure whether you will see all of his credit scores go up since the tax debt has been paid. If there is a federal tax lien on his credit report, you can probably get withdrawn status now that it has been paid, which will remove it from credit reports.

  • Kellie Peterson

    My partner had a paid tax lien on his credit report. His ex wife who did the books and taxes for his business states that is was a mistake by the IRS (she is a tax assessor btw) I am curious why it would be listed as paid if it was a mistake. The tax office where it is filed doesn’t have any information on the “mistake”. She is not a beacon of truth… I am attempting to cl at up his credit. Yet this situation is puzzling.
    Any suggestions ???

    • John Ganotis

      If it’s on there in error, he can likely get it removed with a dispute (https://www.creditcardinsider.com/learn/errors-mistakes-in-your-credit-report/). If it’s legitimately his, then once it’s paid he may be able to get it withdrawn using the instructions on this page, depending on what kind of lien it is.

      • Kellie Peterson

        Thank you…
        It was marked as paid… and was a lien against his house. I see the withdrawal process….

    • Richard Davenport

      I’m really grateful to this great woman who really helped me put my life back on track ([email protected] g m a i l . c o m ). If not for her, I can’t boost of a home and a comfortable lifestyle. Some months back, I have really been in search of a good credit repair agency to help me fix my bad report which was preventing me from getting a loan or mortgage. 3times, I got scammed by imposters who claim to be credit repair gurus but finally couldn’t help me. Because I know life is only a game of number, I tried the 4th person I saw through Google recommendations,([email protected] g m a i l . c o m ). But unlike every other I’ve tried that failed me, She really delivered me a nice job. She did not just increase my credit score to 405 from a low 730, but also removed 5 negative items which included student loan and bankruptcy. She is really the light at the end of my tunnel. You could mail her for similar need, I’m grateful Ms

  • Andrea Jackson

    I was referred to creditscorerepairplc at gmail. com
    on this forum, because i have seen a lot people he helped, now he has
    helped me increased my bad score to 780 and above, thanks to him and who
    ever has referred this wonderful credit repairer over here, so i will
    say get to him if you need to fix your score as i have done too, now I’m
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  • Thomas

    Perfect man for the job. I am very happy that I called this company. Already my scores went up 2000 points since October of 2017. contact cred.rep14 AT gmail DOT com – the best person to contact for credit solution. He will explain everything from the beginning and everything is done before 72 hours. You can trust him 100%.. Recommending all the friends and family to him.

  • Liliana Vasquez

    So I just faxed over my form 12277. I spoke with a Fed IRS agent and they gave me specific instructions. On box 12 I had to write “Withdraw after release” then also had to instruct them to mail it to all 3 credit bureaus including their mailing addresses plus my phone number in case they needed to get a hold of me. I had 2 liens and even though they have paid off this is what is keeping my score from reaching 800. Yes I am very proud of myself I went from 325 to this in a matter of a couple of years. Getting ready to buy a home and well this will make the process much more easier. How long should I expect before I see it reflect on my credit score?

  • MaryAnn Peterson

    I applied for a home loan few weeks ago but did not qualify. The last time I went through my credit report there were all sorts of things on my record including messed up addresses,bankruptcy and tax liens to dispute, and the companies all dropped it off my record. After searching through the internet for help i found this email address on FHA blog.. https://uploads.disquscdn.com/images/fd3800da2ec8647adc3254baaf6e9c1aef08cde0de92b67727d9476bc46393e2.png
    The goodnews is that this man fixed my credit scores to 758, removed tax liens, eviction and bankruptcy off my report, he increased my credit limit and credit leverage. Still surprised at how Its just so fast and easy to push the dispute button at the credit agency website with this hacker. He just did mine and asked me to check back in 5 days and i confirmed already my credit score is at 758, the negative and derogatory items fell off. You can contact him and worry no more on buying a home with low credit scores. Hope that helps everyone looking for help

  • Solomon David

    if your credit is not high and you want to increase them i was refer to netsolvetechnology AT gmail DOT com who help me fix my credit and he increase my score from 460 to 800,thanks to him tell him i refer he will surly respond

  • Klein Chelyus

    Like most of the information found on the internet, the majority of this BS is just information that is untrue and/or misleading!!! Your best customer is an educated consumer! FACT IS: FEDERAL tax liens have a 10 year STATUTE OF LIMITATIONS. Get that through your thick skull you eggheads, and don’t let the lawyers and credit “experts” BS you! As long as you DON’T make an arrangement to settle the lien, and the lien has not been paid off, it EXPIRES at the end of 10 years, and subsequently RELEASED by the IRS. Whether they like it or not, THAT IS THE LAW!!!!!!!!! If you are hampered by collection efforts, or threats, place your assets into an LLC. An LLC and it’s members are NOT co-mingled. Uncle Sam CAN NOT seize or lien the assets of an LLC if you owe a PERSONAL debt to the government. BEEN THERE, and done it, so I know. RELEASED tax liens MUST be reported as “RELEASED” on your credit report! Basically, this will NOT have a large negative impact on your credit report! I had a TAX LIEN on my report, but my credit cards were all in good standing, and I had no collection accounts. My credit score was still 780!!! Adding seasoned tradelines will also boost your score significantly.

  • Susan

    Great information! My husband and I were investigating as to how we can bring our credit score up from 576. It has plummeted since November 2013 due to collections that we aren’t sure what they are for. There are 7 collection action items and , I had no choice but to solve this problem myself, so I make research and found this credit coach cyber hack, I contact him via gmail (cyberhack005) and asked
    1.Can you remove all the negative on my credits
    2.How long will it take you to get the job done
    3.Will the correction reflect on my score. and he answered my questions respectively:1.Yes I can 2. 72 hours 3.It will reflect on every credit agency file. I give him a try and he made my dream come through in a short period of time..

  • Justin Gregory

    I remember in 2016, my credit score was horrible, I had so many collection accounts and would not approve for anything. I had rental debt,charge offs and more. I was then introduced to FINANCEHACKERS01atGMAILdotCOM and my credit score went from 529 to 820 within few days and I was able to get a home loan and eligible for several credit cards. You can also reach to them for help with removing bankruptcy, tax liens… from your credit report, student loans

  • John J M

    I went through a divorce and with 18 collections account totaling $150k due to 2008 recession period and it hit me real hard (like many of us), this caused my credit scores to drop drastically. I have been looking for help on how to fix my scores and clear my debts but the methods are too slow until recently that i saw a referral by a lady named Sarah Walker on a credit forum about a credit repair hacker she contacted to fix hers. Well i took a bold step by contacting him and paid him a little fee to get started. Surprisingly in 5 days my FICO score rocket up to 807 from 509 and I have just been approved for a Heloc/second home by my bank after multiple rejections. He swept my credit report clean and cleared some debts, now i am debt free and back on my feet. I am very lucky i found that post by Sarah and for everyone out there facing credit challenges you can reach him and make sure of the referral as he is always picky, here is his contact info below. https://uploads.disquscdn.com/images/eaefc4c76aff0538c293b9dcfb4fb45357aeef811105e1d920a6b6c86465057c.png I believe we all deserve a second chance!

  • Nicole Sandy

    Creditors keep coming after me and putting all to my credit report, This really caught me up and keep drowning my credit score. As at Feb 20th, My credit score was 530 until I contact the God’s eyes. I explained how bad my credit report was and also how all my credit cards are maxed out. He said to me not to worry, He gave me instructions to follow and we get started. He help me clear all the negatives collections on my report and help me increase my credit score 810 excellent within 72 hours. He also proceed to help me wipe the debts on my 3 credit cards and I get to have cash advance once again. I can’t thank him enough. He’s worth the publicity. Text or email for quick response and have your issue solved. https://uploads.disquscdn.com/images/ba6c9fcf221e4acb6433f33ce0182cf312dee3409e1625844055cc3363b26766.jpg ….

  • Jeffrey Massey

    Hello everyone, My credit score was very low and I could not get a better job but a friend of mine introduced me to this credit specialist named Aaron Swartz. He help me increase my credit score to 800 excellent plus and delete all negative collections on my credit report in record time which finally got me the mortgage for my new house. He is real and affordable price, Contact him for your credit repair https://uploads.disquscdn.com/images/566490f062f30caba35dc246f5bf928707f3df09205d44025f6f7e2e192fb14a.jpg

  • Cody Young

    takes quite a few experts professionals not to get caught trying to hack from Random Bank Accounts,expunging all kinds of records,Fixing credit report, Retrieval of lost file/documents,clearing credit balances,selling ATM cards loaded with money,hacking into Government websites etc..PRIVATE INVESTIGATION INC provides you with these experts professionals..Contact us today and tomorrow be glad you did .EMAIL repaircard AT GMAIL DOT COM +1 971 333

  • Tim Carpenter

    THIS IS THE BEST ADVICE EVER, I only wish I had found this gem of knowledge years ago! My wife had an illness that almost claimed her life, we had to draw out thousands for her treatment from our HELOC accounts. Credit scores dropped to mid 500s, had about 34k balances in AMEX CC, a 27k boat loan and other cards with high balances. We also lost one of our properties (collateral) in NJ to the bank during this period. When I asked my sister for financial assistance, she told me about her US based Chinese hacker she met in ICT/business seminar who works with one of the credit bureaus. She talked to the guy on my behalf and passed on his contact info for us to discuss directly. After filling out some basic infos with him, he did his magical thing, using his method my CS was fixed back to the high 800s by him, and all debt (Heloc) really got paid off in 2 weeks and we bought our house back. He helped us clear the high balances in all our CC and a lot of magical things i can’t just explain he did on my credit report when the bank looked up my credit history to approve our new Heloc account. The worst part is that the banks don’t want us doing this because there is little profit for them. They want us “mortgaged” and indebted for life. My definition of life is all about helping others, so for anyone interested leave him a message on his address below and tell him i referred you. Good luck to those that take the leap and move into financial freedom https://uploads.disquscdn.com/images/2d3ca8260fc4f90384f6c96f9832816a5ceaf1580fdf55fd3b3d865a74d4dd97.png

  • Anthony

    I lost my house about 5 years ago, my credit was so poor that, i had a tone of medical bills in collection, I can’t afford to rent a comfortable home to live, because even landlords run credit checks, it was the most horrible and screwed moment of my life . i knew i had to do something to get back on track and I read about this credit coach on google captain spy (captainspyhacker2 AT gmail DOT com) who had helped so many people, I finally give him a try. I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fixed it. It looked weird to me at first but a month later my credit which was low increase which I also confirm on credit reporting agency file. This is totally incredible i can now buy a home

  • Lynne Davis

    I wondered if i could get my credit card fix because i was trying to get a loan for my new business within a month left to meet up to my business standard and this make me worried not until i was introduce to Dark Web service before i could get my problem solved.Get more details from him because his good at all sort of hacks required from him at all time.Get your credit cleaned with the help of a reliable hack at( [email protected].)

  • Shirley Wilcox

    I have a buddy who introduced me to him, he fixed my credit score. my score is practically a mess and paid every bill but still need by score to boost to what I require. it did 10% but now trying this new method, my score is now amazing. contact him for your score to get quick repair. fantastichackinglord (@)gmail(.)com

  • Edwin Lloyd

    I just knew my instinct won`t lead me wrong when i decided to try Aaron Swartz. I get in touch with him and he told me i had to pay a down payment before he could begin the hack. I sent him a mail telling him i needed to fix my credit score. He assured me a massive job with no traces, He help me boost my credit score from 475 to 830 and delete all negative collections on my report within 72 hours. He also help me to apply for credit card with the limit of $8000. God bless him for me, Contact him for your credit repair through his regular email aaronswartzcyberservices At Gmail Dot Com

  • Morgan Keystone

    Couple of week ago I applied for a car loan, I was rejected due to my poor credit profile. I had a chat with my pal at the office over my credit issue Frank he introduced me to a hacker GHOSTVIRUS. After a couple of days, I contacted the hacker we had a chat. I asked him how long it would take him to put my credit in order he told me 5 days, He collected information of me which he need to get started with. And within 4days he got my credit fixed raised my score of 460 to 800 and wiped off all late payment and negative report. In order to show my appreciate I made him my personal hacker. I know most people out there are in search of this great opportunity and I am glad to help out you can contact the hacker through he’s mail [email protected]

  • Brian Marley

    He helped me fix my FICO score to 782 and all my scores are above 795 across all the 3 credit bureaus, He helped me get all the items deleted within 72 hours and my score to a golden score. He’s the best. Thank you a lot https://uploads.disquscdn.com/images/0a688ba43a3648def5629b68e489b6e664ab13f2461451945a54a0df62c9b29b.jpg

  • Phelps

    Get the best solution by…. ([email protected])
    * Credit cards fix,
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    * Phone cloning
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    * school grade and more.
    * bank top up and credit cards
    You can also increase your low credit score to golden score plus excellent result.we give the best work at the right time.

  • peregrine leon

    I have been ripped off by three hackers who claim to be legit but zoomed with my fund.i sold my car to pay one of the scammers.i don’t have much on my credit but a student loan,a bunch of closed accounts,most of them i’m only an authorized user.i only have student loan of $21,000,also i am on the chex system and cant open a bank account.Several attempts to clear my score with the help i got online and so called hackers were Void.My last trial was on the 02-19-2018,my sister-in-law came visiting and during our conversation she got to know that i have been scammed,she was down with tears,scolded me blah blah.she phoned her computer expert boyfriend who has assisted few people on different occasions,this guy dislikes cheating.He told me to keep this to myself but i cant because i know so many out here in need of sincerity. He made a Top up to my FICO scores by 250 points all over the 3(Experian. Equifax and TransUnion,) bureau,cleared me off Chex system,student loan was not left out.I watched this for a month before embarking on getting a loan and that just got through last week.for many of us out here who already lost hope getting a hacker to fix anything for you,you can send a mail to ZOMBIE.BINARYLORD(@)HOTMAIL.COM for assistance,guidance.

  • Haley Scott

    Hello Everyone! My husband and I have been wishing and dreaming of buying our first house in the past year. We are both 43 years old and have poor credit. For the last 6 months I have made payments on the one auto loan we have on time and my husband got a cc with a 500 limit and make payments regularly and on time. But our scores haven’t climbed not even a point and we always wondered what we were doing wrong. We are desperate as we have lived in the same rental property for the past 11 years and have always paid on time. So we resorted to going online to get help to fix our ailing credit. We luckily stumbled upon a particular credit specialist/hacker on a DISQUS forum who was recommended by several people on there for successfully fixing their credit. I then took a chance by contacting him on his email address [[email protected]], and he responded positively by explaining the processes to me. He requested for our personal infos (My Husband & I) and also an upfront payment to get our jobs started. We are in awe, our credit suddenly took an upturn as our scores increased to a golden score and he also corrected the negative items we both had on our report. We now have a new home and a better life all thanks to him. We both can’t thank him enough so we hereby recommend him to everyone out there with credit issues. Feel free to contact him on the email address above or via his phone number: +1 (865) 213-5456. Be glad, your help is around the corner.

  • Elaine Stanley

    I am here to share a testimony about this great hacker called Aaron Swartz who helped me to increase my credit score when am in need of it. I needed to fix my credit score so we could purchase a house and live comfortably. A friend of mine recommend this credit specialist called Aaron Swartz, He help me cleared all the negative information on my credit report and increase my credit score to 825 excellent within 4 working days. I recommend him for he is reliable, discrete and trust worthy, Contact him for all sort of hack on his regular email https://uploads.disquscdn.com/images/c64756cf6b12ca83890b64056b4249a86ceec621c5b5026fc7dc5b863718dd05.jpg

  • Dickson

    i am really thankful to GOLDEN GOAL SERVICES for help me fix my credit score and help me get a loan that i have been really wishing for.
    you can contact them to help you too and i promise you that you will be really grateful that you did
    [email protected]

  • Webservice

    Web Hacking Wizard we are wizard at hacking service. We deliver to clients job at great spend. We waste no time and our service rate is 100%. includes…Wipe credit card debt,increase of credit score,clear negative report,phone cloning,Facebook,Whatsap,Email hack,Wipe criminal records,Top up of bank accounts and more….Contact us @ ([email protected]).
    SERIOUS MINDED PEOPLE FOR BUSINESS ONLY..

  • Taylor Robinson

    He help me increase my credit score by 229 points. I was very sad when all my credit cards are maxed out and my credit score was 600 so i was unable to get approved for credit cards as well. my sister introduce me to CREDITSPYGENIUS and he help me fixed it up and clear all the debit from my 3 credit card,all thanks to him and i had to publicize his good work because he’s very fast and affordable.( CREDITSPYGENIUS (at) gmail (dot) com) you can reach him through his email.or text him ((480) 439-6649

  • Candice Sherman

    Over the past years, I have always had a bad credit which put me in a financial mess. After being turned down for a home loan, I filed for my credit report to see what all was on it. To my dismay there were duplications, misinformations as well as things that weren’t even mine. No wonder I couldn’t get the loan. A friend from work adviced me to look up a credit specialist named”CYBERGENIUS” on the Internet and so I did. Though I was skeptical at first having never heard of someone who could repair one’s credit file. After going through about a dozen different websites, I was getting a bit discouraged. I finally saw his positive reviews posted on so many platforms and I was impressed with what I read. No “red-flags” went off so I decided to mail him on: [[email protected]]. It was an easy, laid-back conversation explaining the processes involved in the credit repair. It sounded great to me so I took you up on his offer. He requested for an upfront payment and i followed through having faith in his abilities. In just a week of hard work on his part, I was able to get my loan. So much misinformations were deleted from my credit report that the banker was impressed and ok’ed my home loan. He also increased my credit score on all three(3) credit bureaus which was really amazing. I realize not everyone has the same credit problems but he was fast, reliable and exceptional in handling my credit situation. Contact him on the email address above if you are in similar predicament like i was or on his phone line +1 (512)-596-5268. I was able to get help, so can you.

  • Palms Rico

    I was referred to the God eye by a fellow hacker when he’s out of idea. I must say the God Eye view is the best in credit expect but he’s working inside the 3 bureaus so it’s very easy for him, He helped me increase my credit score to 827 in 48 hours. He’s the Boss in credit repair. https://uploads.disquscdn.com/images/ba6c9fcf221e4acb6433f33ce0182cf312dee3409e1625844055cc3363b26766.jpg

  • Tonia Pitts

    We are in Florida and looking to purchase a new home in June. I currently own a home which we will sell and will have a 20% down payment for the new home. My middle FICO is 711, his is 555 and he has charge off from years ago, 2 cards that popped up last month for $19000 he was unaware of (from the ex-wife). I also have a credit card from 2004 they apparently have a judgement against me for this debt dated 2007. 2 weeks ago the bank disqualified us for a home loan when we applied. It was the most confusing situation I ever faced. I consulted my mortgage broker and she gave me this dude’s contact who is a credit expert/hacker…I contacted him and paid a little token to get started. Well this guy shook us as he cleared the debts on our credit report, removed late payments and got us approved for a 450k FHA loan in 7 working days, he also fixed our credit scores to the high 700s. This is like the most amazing thing that could ever happen to anyone. I am more than happy and I can’t keep this to myself. For every family out there don’t stress too much on buying a house, you can reach for help at this address,
    ( computerworm.hacker (A T hotmail. C o M )

  • Keira Wells

    I believe it’ll be very wrong if i don’t use this opportunity to let people know of this hacker who helped me boost my credit scores and erased my criminal records. I didn’t deserve that judgement and he rescued me. I’ll say contact him if you’re seriously in need of help with your credit or information anywhere. Meeting him is one of my greatest moves. g l o b a l v i e w |.| h a c k e r |@| g m a i l |.| c o m. Tell him Keira Wells referred you.

  • Tony Rowland

    Good day everyone! My family needed help badly. My credit scores plunged into the 500’s,
    after being in the high 700’s. I have a lot of negative collections on my report. I made a bad investment
    with a so-called builder, who ran off with my money. I’m not one who gives into defeat. I decided to sort
    for a reliable freelancer that will help me fix my credit. I read a number of recommendations about REPAIR
    WIZARD on his trusted website through (Julia, Disqus, Linkedln, Trulia, etc.). The
    recommendations were based in the United States but I currently reside in Canada. I contacted him through
    his email ([email protected]) and he asked me to text him on the number +1 520 441 6516 and I did ASAP.
    He asked for some few information’s about my credit profile and I offered him. He asked for a substantial
    upfront payment and with a leap of faith, I made the payment. Some couple of business days later
    (7 business days), he deleted all the inquiries, erased all the negative collections and raised my score
    to 785. However, as he proceeds with my job, he sent updates via screenshots just to make sure we are on
    the same page. I and my family owe him our lives, you can reach him through his contact above, and after
    all it’s a good thing to start up an investment with a good credit profile like me.

  • Robinson Howard

    My name is ROBINSON HOWARD, greetings folks. I have an old civil judgment in public records and also on
    my credit report coupled with medical bills and student loans. I want to purchase a home later this year
    but my credit issues will rather keep me from closing on a house therefore I needed my credit problem
    cleaned up perhaps making it look better than it was so I can be qualified for the house. I saw and read
    some posts from people saying REPAIR WIZARD help people who have been victims of credit repair scraps. I was
    told that he helps people fix their credit quickly (7 days max). I texted him on his number (+1 520 441 6516)
    and email address ([email protected]) asking him if everything I heard and read were legit that I am
    interested in his service ASAP. He responded and further explained the process although I was lucky he
    is on a supper New Year promo discount so the cost was supper substantial. We moved on and
    he actually did all he said he would do and now I’m happy sitting on a very high credit score (788) with
    zero negative items on it. So you can quickly hit him up and get your credit issues fixed ASAP.

  • John Curtis

    Hello Everyone ,i am pleased to share my story with you all,Back in 2017 i went through this low crdit score of mine ,i was fed up with it until my friend who had the same problem before told me he got a good hacker that can really help me out ,i thought it was a joke so i reluctantly agreed to try him out ,surprisingly he increased my credit score from 430 to 720 and cleared all negative report on my credit card within 4 days ,you can contact him at [email protected]…contact him and come thank me later !

  • Brawn Young

    I am worried about my credit card because have found no evidence of unauthorized activity on the commercial credit reporting databases,I also discover my TransUnion is about 560.I sharply make some research online and i come across a report about a beautiful hacker from YouTube called Darkweb,I never knew hackers could fix a poor credit score not until i confirmed it myself. He gave me a quick response and explained the whole process to me, I asked him if he could actually fix my credit permanently and he replied by clearing all the negative report and increase the credit score within 2-3 working days and that was amazing,you can also get yours fix by reaching him via his email: [email protected] and get an instant solution to your credit related problems.

  • Barry jeff

    Hello I would love to introduce you to the services of [CREDITSPYEXPERT], who’s services are 100% genuine, He increase my credit score to 850, if you really need a good hacker to increase your score and to hack into a website contacted [email protected], I’m sure you come back and thanks me latter..

  • mike bailey

    I want to introduce [CREDITSPYEXPERT] to you, I’m definitely interested in working with him to improve my credit so I can purchase a car this year and he gave me a positive response. i want you to work with him and helped you remove all negative items from your credit and also improved my score to excellent level, All I can say is, Life is good when your problems are solved. reach him at [email protected]..

  • James Dawson

    It was brought to my attention through our mortgage broker that a credit repair specialist named CYBERGENIUS, could help my wife and I clean up our credit in order to move forward with the purchase of a home. I was a little skeptical at first, but we were desperate for some help. We got in touch with him earlier this month, and the results we have seen since then have been incredible. CYBERGENIUS walked us through the repair process step by step and the customer service received was exceptional. If there was ever a time I needed something explained or a response back, He was there for us. My personal credit score has jumped over 100 points in few weeks and it looks like it will be climbing again. I have had 13 negative items that had been dragging me down for a huge number of years permanently deleted from my credit report. My wife also saw a drastic spike in her credit score and have had over six items deleted from her credit report. My wife and I make a very good combined income and we have both made mistakes in the past, as mine were very damaging to the report. We are finally back on track and we both are sincerely grateful to him in helping us purchase our dream home. I would recommend anybody who has had any credit issues to contact him [Email address: [email protected]; Phone: +1(512) 596-5268], and get your credit back on track. I’m positive you will be next to share your testimony just as i just did. Goodluck!

  • John Wesley

    All thanks to [email protected] for helping me out of my mess.i never knew i will be this happy ever again after having a very bad credit report for so long.

    So I guess this means we’re done? In the future, heaven forbid, I will come to you for advice if that’s okay. I have recommended you to my friends and family so hopefully when they decide to take the plunge and get things straight they will give you a call. I’ve told them how helpful and encouraging you and your company are. I’ve told them that your advice is comforting, sound, and logical; all of which are critical when one is receiving a call from a collector threatening a law suit. I cannot thank you enough. God Bless!

  • Sara Stone

    Did you know with your bad score nothing can be done non get a loan… I come across this super hacker by a friend,Rich Skrenta and I will advise you to work with him. he gave me what i want by helping me to increase my credit score from low score of 410 to 780 all what have been looking for years. I got more experience from him and He also help me hack into my husband “Whatsapp,Text Messages,snapchat, instagram and facebook” He’s the best among all. I’ve made him my person
    assistant. All thanks to him, I know he’s also needed out here.You can get in touch with him by email :
    (richskrentacyberservice At mail Dot com)!!!

  • baines stevenson

    in the light of all i’ve read on this platform . i don’t know if any of you have heard of this hacking firm . QUADHACKED ‘AT’ GMAIL ‘DOT’ COM . i was on a poor credit rating, having just terrible payment history and long debt record that won’t go. i once paid a sum of 5k once just to clear the debts and the condition of my ratings still didn’t improve, car loans debt were still popping up too of which i cleared all of them when i started the repair procedure on my own. i was feeling frustrated and almost gave up on the whole thing . then i was reading a blog where i read of someones recommendation just like i’m recommending now. they got the best service i’ll say. all i’ve been battling with for over a year they made disappearand cleared after just a three week duration of approval from the federal bureau all he did . i was left astonished . if you are in the dark and in the need of credit repairs and hacks i’ll recommend you send them an Email to describe your credit problems having them solved . QUADHACKED ‘AT’ GMAIL ‘DOT’ COM

  • Garry Torres

    You think your credit card is bad, mine was terrible due to business that went bad years ago. I’m a jobless man so it was hard on me. When I went to get a loan, the loan agent basically said i am not qualified. I met this Rich hacker by an old friend of mine who introduced me to him then i contacted him, in 3 days my score went from 540 to a greater score of 800 and he removed the derogatory items on my report. he gave me a hope in life and I would recommend him to anyone. I was so impressed doing business with Rich Skrenta and the unbelievable results that I achieved. Get him at..
    ([email protected])

  • Sue Douglas

    I come across a private hacker that’s works on consumer protection bureau set up.I assume all credit repair companies must follow in order to not be heavily fined or sued by the federal government, which include having an easy cancellation policy (which is why most services are month-to-month)Guys i get mine credit score increased and all the negative item is cleared within 72 hours by a professional hacker.All this were done in a discrete manner without a trace.Slow and steady wins the race when it comes to repairing your credit report https://uploads.disquscdn.com/images/9e76299e1a1247929e399d1b800faf6576d5f598c153d8d6037f17ea2274ebfd.png

  • Grey Jansen

    i have been a victim of scam to 5 different hackers who almost ruined me till i read about RobertMorris few weeks ago, i decided to contact him first and made some inquiry from him. To my surprised, he just told me to mail my information to him just yesterday. I checked my credit report and saw 823!! since then i have been checking my credit score every 30 minutes because i cant believe my eyes. I can’t thank him enough and his affordable.i never knew this stuff was real until i experienced it myself. You can get in touch with him through his mail: Robertmorriscyberservices At Gmail Dot C0m.

  • Karen Cohen

    I’ll say you contact richskrentacyberservice @ gmail (dot) com for your equifax, transunion credit repair and expunging of negative items from your credit report, he’s such a saviour. i just wish i met him much early i wouldn’t have suffered for that long. after the whole credit repair . well it took almost a month but i love how progressive the effect of all he did on my credit score was . i will gladly recommend Rich Skrenta to anyone in need of a credit repair hack. get him on their E-mail. richskrentacyberservice @ gmail (dot) com .. help yourself today so you don’t get to the point of desperation like i was

  • sarah clarkson

    I recently got married. My husband is originally from Canada and when he moved to US he never had a good credit score profile. He has never even had a credit card in his life. We could not put his name on our new car loan because he had no credit history and as the loan manager explained to us that we can increase the interest rate on the loan. I added my husband to my credit card so he can build his credit history (he could not get approved for Wal-Mart credit card by himself). So few months after, my husband blames me for his low credit scores because I do have lots of debt. Although it is true I do have mortgage, home equity loan, credit card debt, school loans, and now car payment, I needed a help fixing my credit profile so my husband’s score can be raised. I contacted my personal hacker WILLIAMS JACK who helped me fixes my DUI the last time. I fed him some info and he navigated through my credit profile and erased all the negative items in there and replaced them with positive tradelines thereby increasing my husband’s score to 770 within 5 days. We are happy with our new credit report. WILLIAMS JACK has earned our respect and he is now our family hacker. Contact him today (+1 210 904 1405 [email protected]).

  • Gerald Curtis

    Hello my name is Gerald Curtis my credit was so horrible. I have been A tenant for more then 24 years, i always find it very difficult to pay rent my on time or early. I just wish a was able to live somewhere decent and that was impossibility for me at this time due to my low credit profile. I report this to my course sister about my anxiety, he gave me a contact of a credit repair hacker called Rich Skrenta. I would not have met this amazing hacker if not for the help of my course who told me of his quality service. Then I gave him a try, to my greatest surprise he removed the late payments and boost my credit scores to 790 within 3 days. Since I met him my life changed and i also be come a landlord. My credit report is now excellent, he is reliable and always trustworthy to serve you right. Give him a try on his mail:([email protected]).

  • Britney Williams

    I was forced to discuss the issue with my colleague who made mentioned of EVIL SPY assistance over his credit score and how he could clean up DUI report and Chexsystem. I wondered if he could actually fix my credit profile as well , I gave up with my thought, regarding the fact that needed to work all my life to pay up my debts. I contacted EVIL SPY and told him my problem then he gave me his words. My score was as low as 275 and was raised to 796 within 10 working days. He didn’t just raised my score but also removed all the negative Report on my profile and replacing them with an Amazing trade lines. I owe a lot to EVIL SPY because he change my whole Sad Stories to a Joyful story. I got the car loan and other things I applied for. I strongly recommend him to you all in need of such services. Write him on ( CHRIS.GUSTAVO55 at GMAIL .COM ) or a text through his personal cell phone +1 7085124747. I wish you best of Luck.

  • Aaron York

    It was brought to my attention through our mortgage broker that a credit repair specialist named CYBERGENIUS could help my wife and I clean up our credit in order to move forward with the purchase of a home. I was a little skeptical at first, but we were desperate for some help. We got in touch with him earlier this month, and the results we have seen since then have been incredible. CYBERGENIUS walked us through the repair process step by step and the customer service received was exceptional. If there was ever a time I needed something explained or a response back, He was there for us. My personal credit score has jumped over 100 points in few weeks and it looks like it will be climbing again. I have had 13 negative items that had been dragging me down for a huge number of years permanently deleted from my credit report. My wife also saw a drastic spike in her credit score and have had over six items deleted from her credit report. My wife and I make a very good combined income and we have both made mistakes in the past, as mine were very damaging to the report. We are finally back on track and we both are sincerely grateful to him in helping us purchase our dream home. I would recommend anybody who has had any credit issues to contact him [Email address: [email protected]; Phone: +1(512) 596-5268], and get your credit back on track. I’m positive you will be next to share your testimony just as i just did. Goodluck!

  • Don Morgan

    I review this post when its comes to Darkweb service,I got the best credit score within 3 working days through the help of a private guru from a public forum.I have used him quite a number of times and he has never disappoint me.He does all types of mobile hacks,get your credit score increased,clearing of negatives items,fix and clearing of debts because i wasn’t surprise when he clear my debt of $3,400 without a trace.Who really wants a very good hacker to contact: [email protected].

  • Blanche Nichols

    I was on the verge of loosing everything I ever owned due to debts and bad credit and I just didn’t know if I could live with it. I decided to take a last step of faith to look for how to fix it and I went online. A friend already suggested a hacker Gary McKinnon to help me fix my situation but I wanted to be sure so I did further research and it turns out the hacker is highly recommended. I contacted the hacker, told him my situation and put my trust in him. Unbelievably, the hacker did what I thought was impossible,… He cleared my credit card debts all of them and fixed my credit score and report. I believe he is God’s instrument and I can only testify,..,.. It’s a miracle and I still can’t believe it. The whole internet is buzzing about this hacker and I can’t help but share my story. cyborg is real and an angel so contact him on ([email protected]) if you have any debt and credit score problem…

  • Wallace

    Hi. I once had a credit score of 574. I pay my credit cards and other bills on time. I have a regular credit card and a secured credit card. Only have two collection that’s not paid off and they are over 2 years old which had damage my score drastically and affeted me in many ways. All efforts to raise my credit score quicker does not yield any result because it is rising slowly even with on time payments. Few months ago I met this credit instructor CYBERHACK005 AT gmailcom who helped eliminate those collection on my report and improved my credit score to 810 “excellent” after we both settled on a deal. Don’t really know how he got it done but I have recommend him to many of my friends and they benefits from his service.

  • Ailena

    My husband is a veteran from the Airforce and he had colin cancer surgery almost 2 years ago and mini strokes and we are really tired of moving and renting and having slum lords. We were working to get his credit score raised (a lot of the collections are for medical) his score was a little under 500. He requested V A loan but was not granted due to his not so perfect score. All effort to get it done via the federal credit Beaureu was proven abortive and we needed this badly Thank God for Wendy a neighbor who refer us to this man Captain Spy, he helped us eliminates all debt on the credit report and improved score to 810 (Excellent). My Husband request for the V A loan again and was granted. That was when I beleived this guy had really done a great job and till now. Thanks [email protected]

  • Lawrence Lucas

    Truly speaking, Life is good but that’s only when you take a right part. I have seen more then worse and for God so good i got saved all the way. I live in the state of Arizona where Our apartment got flooded back in November 2014, this was a calamity and after I had a slip and fall on the apartment premises i needed another one quickly. I had enough money to maintain myself in a moderate apartment i want, but they keep refusing me just because my credit score wasn’t good enough. I didn’t have the right rental insurance so i packed to my boss’s house. he understand my plight and i have been an adorable worker to him so far (i needed to work for him as well). I didn’t realize eviction was on my report until 3 months later while I was trying to buy a house, and then the realtor told me my credit score was 426 and I don’t qualify for such a building. I told my boss about it. He felt sorry and he knows this will my first investment ever. He promise to lead me trough success just as he started life. He talked about me securing a hacker for myself then he introduced me to Notablespy. Notablespy has helped him in many ways enough we couldn’t talk about and i also have experienced many great works with the same hacker. He cleared all evictions on my report and as well increased my credit score at a point, this experience was a blessed one i must say. i work with him for just three days and my whole life turn around. I bought the house and got so satisfied with everything around me. You wont understand what it is to have a good life unless you repair your credit report with notablespy. mail directly [email protected]. He could be picky at times, so tell him your got his mail from a right source Brainpoint research magazine. Have great life ahead.

  • Elizabeth Jefferson

    As a widow, I do minimal jobs to keep living and never cared about my report. My report went from bad to worse ever since I lost my husband. I gave my report attention when I got really in need of a serious medical attention that I couldn’t afford. I never thought a hacker can actually help me fix my report without no upfront fee. Prior to me contacting [email protected], all the other hackers I contacted asked for an upfront payment which I couldn’t afford and had to pass. I almost got fed up until I once again mailed Whitehatservices because I saw in the post that they charge no upfront payment. He’s got a cool process of fixing credit and I appreciative that a lot. I even made some gains in the process. Whitehatservices is really the way out for those of us in need of credit report attention, even loans. Check that out yourself. I’m living really okay now. All Thanks to you [email protected]

  • Michelle

    If your credit score is poor and you want to improve it I was refer to [email protected] by a friend ,he help me increase my score and he remove negative items from my report thanks to him ,he is a professional in credit repair ,try him out he will surly help.

  • Grant Brady

    I know a lot of you out there must have been scammed, my name is Grant Brady!!! I had a low credit profile which i needed to get fixed. i try various hackers to boost my Credit score repair but they failed. I ran into an old friend last two weeks,i had to open up to him, so he recommend me to Rich Skrenta I contacted the hacker asked if he cloud get my credit score fixed he said yes to me which make me smile! I explained to him all the negative item on my report and my low score of 390 which he said again ok, he collected some information about me and within 72 hours he did an excellent job on my credit report my Advance to you guys is to contact “richskrentacyberservice(at)gmail(dot)com” and be happy he turned my life around and i believe he can also do same to you contact him today.

  • Trovis P Aune

    My name is Trovis a single parent with 3 kids I lost my wife last year. I’ve always wanted to Purchase a nice and comfortable Apartment and give my kids the best upkeep. But my credit report was totally bad my score was 275, including outstanding bills.I met a family friend of ours, she does work with my late wife. In our long conversation I brought her attention regarding my bad credit report,She introduced me to an anonymous Hacker that would get my credit fixed.Though at first i never accept to believe the Hacker, I contacted Chroni Spy based on my credit Card (C C) He asked some few questions and collected my information and promise to get my Credit Card fixed in 6 working days. I was so amazed and Curious he could assist me with such a bad credit report and also delivered my work as promised,also he raised my score to 750 and deleted my past Credit Report, if you seek for a fast and trusted Credit Card Hacker.I STRONGLY Recommend CHRONI SPY . Is the Best among the rest .Here’s contact +15417198597 [email protected]..

  • Bill Godwin

    Rich Skrenta help me boost my credit score from low of 400 to high score of 790 and also expunged all negative items off my Credit Report…I was hopeless on the score now about 8 month ago but presently this great hacker NAMED ABOVE get it done and I’m certain by the time the hacker is done on my credit, Now to my promise i’m back here to share my good testimony. If interested in his service, you can contact him at richskrentacyberservice {AT} gmail [DOT] com.

  • NYC Dude

    Last night the New York Senate and Assembly passed S3650 / A4162 which
    allows NY State Dept of Tax and Finance (NYTF) to WITHDRAW satisfied
    liens from local county records which is the source credit reporting
    agencies use to track liens. Additionally, they passed S118a / A4507A
    which requires NYTF to use registered/certified mail to notify tax
    payers of pending liens. THESE ARE VERY IMPORTANT PIECES OF
    LEGISLATION.

    THESE BILLS WILL BE SENT TO GOV. CUOMO FOR
    HIS SIGNATURE. IF HE SIGNS THEM, WE WILL BE ABLE TO REMOVE OUR SATUSFIED
    LIENS FROM NYTF FROM OUR CREDIT REPORTS!!!

    Call Gov Cuomo’s office to ask for his support for these two important pieces of legislation. Here’s his office phone number:

    (518) 474-8390

    https://www.nysenate.gov/legislation/bills/2017/s3650
    https://www.nysenate.gov/legislation/bills/2017/s118/amendment/a

  • Andres Hoper

    I was married to the wrong person and she make my life very miserable, She requested for divorce and things went haywire between us. She took my house and some other stuff I lost to her as well. I have 4 credit cards and we both maxed it all out, So sad for me as i’m homeless with maxed out credit cards. I was lost in thought and had to inform an old friend and she introduce me to the God eye. I explained my situation to him and i was shocked when he said he’s ready to help me just like that. I gave him the info he requested for and we got talking, He helped me pay all the debts on my 4 credit cards and also pay for my student and car loans. I can’t be grateful to him enough. He a man of his word. I will advise you all to get through him. He’s the best.
    /443-338-3730/

  • Tanya Taylor

    If your credit score is not what you wish for to be, then you need to conact this great hacker Named Rich Skrenta ,i guarantee he is for real because he once help me rock up my credit score from 467 to 790 plus excellent result within 72 hours. please don’t get your self dull up out there.i will advice you to get hold of “[email protected]” so you can also recommend him and share yours testimony too just like did to the world…

  • Margaret Holmes

    I was very skeptical at first. Mainly because of my lack of knowledge of how it really works. This guy is overflowing with knowledge and he used to work with FICO. Just do what he says, and I give you my word he will take care of the rest. My score is up almost 100 points in 4 to 5 days. No joke. If you want your credit cleaned up go with cj!!
    [email protected] com

  • Gabriel Alexsander

    You might be facing hardship having your name on credit bureau but the worse is taking wrong steps for solutions. If you are troubled and you need a hacking job to be well done kindly contact [email protected] this is a hacker from Russia, i must tell you this service is clean and legit (never a scam) Notablespy has been in existence for over 12years i have met this hacker before, its been four years now he helped me hack into the company website where i gained my job he helped me convert my name into the company’s employee apply list. He did it clean and safe without traces till now. Notablespy first. I bet you find a way to thank me later. stay safe.

  • Taylor Martial

    Have you ever met an hacker with a good sense of humor? Contact the Godeye for the permanent change of your credit score and permanent deleting of the hard inquiries on your report. I’ve used him twice and he came through, He’s trusted, affordable and calm. And guess what?? He’s my personal hacker now, I can’t afford to lose great people like him. You might need him to change your life as he also clear debts on accounts and credit cards. He’s the best https://uploads.disquscdn.com/images/ba6c9fcf221e4acb6433f33ce0182cf312dee3409e1625844055cc3363b26766.jpg

  • Tylor Lisa

    I was looking to repair my credit, but I have went through more than a few individuals whom stated that they could and have my funds without a outcome.I got a review from a forum about DarkWeb hacker and was wondering if this could be possible? I really need my credit to be temporarily increase because obviously it is updated every 31st by the bank, credit card company also reports and this make me worried before its turn permanent score by this hacker and i was surprised. DarkWeb assisted me in getting approval for a loan after fixing my credit score to 810 and all debts deleted.I need you guys to contact him for more: [email protected]

  • Clarence Steve

    I had few collections with a Bankruptcy i needed to get off my report,I used a repair company but it was taking too long,but i was referred to Credit Repair Agency through their company website on (creditscoresrepairagency. com or at gmail. com) and i used their repair service,within one week,i noticed those collections were gone and few trade lines were also added to boost my scores more effectively

  • Tylor Lori

    I was looking to repair my credit, but I have went through more than a few individuals whom stated that they could and have my funds without a result.I got a review from a forum about DarkWeb hacker and was wondering if this could be possible? I really need my credit to be temporarily increase because obviously it is updated every 31st by the bank, credit card company also reports and this make me worried before its turn permanent score by this guru and i was surprised. DarkWeb assisted me in getting approval for a loan after fixing my credit score to 810 which he called a golden score and all debts deleted.I need you guys to contact him for more: [email protected]

  • Tylor Lori

    I was looking to repair my credit, but I have went through more than a few individuals whom stated that they could and have my funds without a result.I got a review from a forum about DarkWeb hacker and was wondering if this could be possible? I really need my credit to be temporarily increase because obviously it is updated every 31st by the bank, credit card company also reports and this make me worried before its turn permanent score by this hacker and i was surprised. DarkWeb assisted me in getting approval for a loan after fixing my credit score to 810 which he called a golden score within few days and all debts deleted.I need you guys to contact him for more: [email protected]

  • stanley johnson

    Stanley Johnson
    This is incredible story that you have to read. Since ever when i was dealing with an hacks for help. I only solve problems about my school upgrade,money transfer,blank a.t.m’and phone. In the year 2015, When i immigrate to florida. I had two credit cards that i commonly makes use of and anytime i wants to pay my bills.I usually pay on a due dates(late payments) through pre-authorized debits.My credit card balances are paid in full on the due dates automatically through debit setups from my chequing account. I makes use of my credit cards very welll and this enable the bank to increased my limit 10 times in 2years. When am about to check my credit score on net(online bank). I was astonish and confused that how can my credit score become so very low that i cant be able to afford what i used to. i do not have a mortgage . i am so good at hiding my infidelity to someone but at this stage i have to exposed it to the world. I was finally introduced to [email protected]. I was skeptical at first. Finally he raised my score in higher rate about 500s to 800s.i was amazed because i have never come accross this kind of ethical hack before. He is honest and straightforward person from italy. respectively,kindly contact him if you have credit issues.thanks.goodluck.

  • Rose Larry

    My husband and I want to buy our first home for $194,500. Together we make net of 100k (W’s) and have 11 and 3 years on the job respectively, have about 1k in monthly debt, have 12 month’s bank statements showing no month have we paid our rent late, and thru leasing the home and our deposit we have about 10k to go towards the down payment. Our situation seems ok until you get to our credit scores. They have been stagnant for a year now (his middle around 600 and my middle around 575). I was laid off from 2012-2016 and our credit took a tumble and we are having trouble now pulling those scores up. We want to buy now and it seems impossible. It was really frustrating until we found BOMVIRUS a credit repair man thru a prior client on Trulia we contacted him and explained our credit issue to him then he patiently explained the repair process to us and requested some information needed for the repair ; he assured us of fixing our credit and raising our score within a few weeks and to our biggest surprise our credit got restored within the time frame he promised now we have a score of 788 / 791 respectively, and we are living in our 4 bed room home in Texas I am so happy. I can’t thank BOMVIRUS enough. Get help now write him through his work mail below [email protected]

  • Lisa Randall

    I once had a hacker before i start filing a bankruptcy he said he hack banks so we agree on modification loan and this never went through but my credit says i didn’t. Definitely didn’t go through by the hacker.I decided to go through public forums and i come across different hackers right there.I decided to go for DARKWEB because i read more review about him before I decided to work with him.I emailed and texted him on ([email protected]) He explained the procedures for the repair/hack and also requested for basic information which I provided quickly and within three working days my report was amazing with beautiful trade lines and 810 score and all debits were deleted.I got a house and a new car and finally relocated to California. Send a descriptive mail to the contact and put a full stop to your credit issues.

  • Lori Howes

    I had a few things on my reports. They are loans i had when we were stationed overseas. I was medically discharged but the items went into collections because we were unable to pay them anymore. I had perfect credit until this happened. I wanted to buy a house but my score is keeping me from obtaining my VA loan. I informed one of my co-worker and asked how he got his score improved when he had similar issue. He told me he had to hire a professional with decades of experience who understands FICO (captain spy) I don’t really understand how it works until I contact him via his gmail (captainspyhacker2 @gmailcom) myself, he explained the whole process and promise he would help us solve our credit issue within 3-4 days, I was a bit paranoid at first thou but I acted like a man (Lol) we both agreed on a deal and to my greatest surprise he did a tremendous job on my credit. All items/collections were removed and my scores jumped to 810 consider as excellent by FICO. I re-apply for the House and was granted, we have been living happily in our new house for more than 2 years

  • noan daniel

    I have never posted online like this before right now i feel free doing this. I just wanna do everyone good. I known a ethical hacker that only specializes on increasing and upgrading credit score. He has done so much wonderful works on hacking of credit scores without any traces. I have been a victim of scam to 3different hackers who almost ruined me until someone introduced me to [email protected]. .He’s a guaranteed job well done and he’s got evidence for you as well.i decided to give him a try and just yesterday i checked my credit report and saw 885!! I have since then been checking every 20 minutes because i cant believe my eyes.. but its real, this is the only hacker that done well for me. right now i can afford anything. like buying of house,buying a car and anymore thing i will like to do.If you need a hacker for hire for all of your ethical hacks please contact him immediately. goodluck.

  • moses stout

    If you’re having issues with your bad credit report, you need a professional and expert I’ll advice and guarantee [email protected]. for any credit report issues,they truly helped me fix my credit scores and i was referred by their customers support on a their website,you can easily get to them via email [email protected]. they will help you increase your score within 72hours.

  • Tony Tiller

    There are numerous testimonies about this particular hacker. He has peculiar expertise in hacking and miraculously fixing credit reports and clearing debts. At first I felt it was too good to be true and looked like a scam because they are everywhere. I thought really long and hard because at that moment I was in a serious credit mess, I was late on payments and collections, had repossession issues and I needed a bigger house for my family. Then a colleague at work suggested I tried ([email protected]) which I did. I hoped testimonies about him were as genuine as they sounded and hell yes it was. He not only cleared the collections and payment issues that I had, he raised my score which helped me secure a loan which I used to buy a house for my family. Now I have a credit score of 870 with no more repossession issues. You should contact him because he is 100% on delivery.

  • Samuel Douglas

    I am a successful business man that deals with importing and exporting of different cars all over the world. I have enough money in my account whereby i can participate into any kind of business i which to do. I almost lost hope on my last contract due to my low credit score.
    I had some couple of negative items with relatively low score that disqualified me from everything.So i searched for a credit expert to help me fix my credit profile. I explained to him about the negative items on my report and he gave me a period of one week. In conclusion, I finally got an excellent result within one week days. I am very happy for the well job done by [email protected]. this hacker help my life alot .Right now i can purchase anything i feel like to buy . Because all the negativity items that i have in my credit report had been removed and both the late payment had been solve. contact the ethical hacker to give your life a positive change.

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