Hello guys, I thought paying off all my debts would have helped my credit score but no it didn't. After I paid off all my debts on my report they were still reflecting on my credit reports which was really annoying, but I came to a blog where I saw the wonderful testimonies people helped by xapcreditsolution at gmail dot com wrote and decided to give it a try. Few days after I paid XAP to fix my report all the negative items are now gone and they also increased my credit scores to 780 from 460, thanks to whoever has referred to XAP Credit Solution. I have decided to do this 5 star review for more people to know the right way of fixing their bad credit report.