It’s very hard or nearly impossible to rebuild your credit after messing it up. 3 years ago I had a messy divorce which had a very negative impact on my credit report. Things went from bad to worse when I lost my job that same year. I missed most of my payment and even maxed out some card. I started paying my debts as soon as I had a job, my score was only able to appreciate with a few points and the negatives still lingered. With my credit score (582) I wasn’t qualified for a home loan. My realtor introduced me to Metronet Credit Solution. They helped me erase every negative item on my credit and boosted my score to 767. Thanks to them I have been preapproved. You can write them via metronetcreditsolution at gmail dot com or text (626) 514 - 0620 for any credit related issues. I highly recommend their services.