We are happy with our credit score, it's finally up. This is made possible through the help of "XAPCREDITSOLUTION AT GMAIL DOT COM". My credit report and that of my husband was so bad that we couldn't get approval for an FHA loan and other things we applied, I had chex system, collections, medical bills, loans and credit cards debts but few days after I contacted XAP and paid for his service all these were erased, debts cleared and my score raised to 810. I got qualified for an FHA loan and my credit card limit has increased so much. I can't thank XAP enough and I recommend you write to him asap for your credit repair.