That invisible credit problem was what I ran into when I tried to buy my first car. Partner that with a parent with zero financial knowledge (who had to co-sign the loan so I could get the car) and I walked away with the worst ever interest rate on a junk car from some sketchy dealership. I basically bought 1 1/2 cars by the time I paid off the car, I was in the dumps via credit, owed $30k in card debts and 97k in student loans and really couldn’t afford anymore tried Lexington law a while back and that was just a mistake. My cousin referred me to Xapcreditsolution {at} gmail {dot} Com I’m intrigued by their honesty and service, today all those debts have been cleared completely and my FICO score raised to 790 in less than 2weeks. I promised to let the world know about XAP, yes he came through for me. I now have a home and a good car of my own.