Due to a lot of hardships and circumstances beyond my control, my scores were in the ditch. It will literally take way too long for me to try sending (3 letters to the 3 credit bureaus) and waiting for the negative items to eventually be deleted. However, I decided to dig online for credit repair help and I came across a review on YouTube about a credit specialist and I must admit I was impressed. I quickly emailed him on michealmurphy at repairman dot com asking if he could help me and how much he would charge. He replied and after discussing the process, we moved on and guess what? He actually fixed my credit and raised my score to 790. All debts were checked as paid and the late payments appeared as on time payment. He deleted the inquiries, student loans, medical bills and the bankruptcy all fixed. I strongly recommend him for your credit repair. He also went ahead to recover my lost Bitcoin from my Coinbase wallet. You can contact him and enjoy his services. He's really good at it.