I am delighted I stumbled into great reviews about XAPCREDITSOLUTION AT GMAIL on how he helps fix credit, chex system, DUI repair and other credit related issues. After I did my due diligence, I contacted XAP Credit Solution through the above email and narrated my problem and how I would want to proceed with fixing my credit report with XAP. He confirmed he will increase my score from low 540 to 780 which he did in less than two weeks, he removed all the collections and charge offs I had and also added some tradelines to my report. I completely recommend XAP to everyone in need of a credit specialist. Do well to let XAP know David Lane referred you.