I hired XAP Credit because Wells Fargo was reporting late payments on my credit reports from last year when we had an agreement that I would defer payment because of covid. Wells Fargo didn't charge me any late fees but reported 6 late payments in my credit reports which lowered my scores into the 500s. I tried dealing with the credit bureaus myself and called WF so many times but they never removed the late payments. I tried using Credit Saint but all they did was dispute and nothing changed. XAP Credit actually called WF and then helped me file a complaint against them with the CPFB and voila - the late payments are now completely gone and my scores are all back to the 790s. Thanks XAPCREDITSOLUTION at GMAIL dot COM!