My husband and I went to buy a house this year (for the first time). We started making changes in our credit history late last year but to no avail. Current score was 616 (me) and 605 (him). We tried getting it higher on our own way but it didn't work out. No negative other than 3 missed school loan payments from me (2017), I did not know they went into repayment. We have about 9k (51% usage) in credit card debt. We have a car loan (18k total). I have 50k in student loans. I implore you to get in touch with PINNACLECREDITSPECIALIST@GMAIL.COM OR +1 (872) 265 2951. He promised to fix my report within 6 days. He got my score up to 804 (me) 811 (him) and also all the negative items and credit card debt has been gone. Now we’re eligible to buy a house. His fee is very affordable and he always keeps to his word and time frame.