I am posting this review because I know there are lots of people out there looking for a genuine hacker to raise their credit score. I strongly recommend XAP Credit Solution. They are good at what they do, they helped me raise my scores to +360 points, cleared all negative items, inquiries, charge offs, collections and bankruptcy within just 7 days. When I returned back to the bank to pull my credit report, even the bank officer was surprised at the excellent report I now got. My loan application that was denied earlier has now been approved and I am glad I contacted XAP. You can reach them on XAPCREDITSOLUTION@GMAIL.COM or (801) 988-9890.