I’m not sure if this will stick but I’m moved to post for anyone looking (as this is where I came for many ideas as well). We had a very bad credit, negative items and different bills but if care is not taken depression might set in. went through so many folks which call themselves credit hackers. We’re self-employed. As we walked through the list of credit hackers, one finally came out. A friend recommended PINNACLE CREDIT SPECIALIST to us. We contacted them immediately. Trust me he really helped me by deleting all the negative items and bills on my report and boosted my credit score from 500s to 807. It’s been a long road and I now know way more than I ever wanted to know about FICO scores and credit repair. My saving grace was PINNACLE CREDIT SPECIALIST. I cannot recommend enough. I’m not promoting just for the sake of it, rather he was able to help us to navigate a very tricky situation and it would have been so helpful for me to have him with us from the beginning. I hope that anyone else who needs it can benefit from my failure and win! You can hit them up by email: PINNACLECREDITSPECIALIST@GMAIL.COM