I had been trying to work on my own credit during the lockdown period in 2021 and did a pile of research and still to no success did I repair my own credit how'd I was explained I could, watching different YouTube videos. From my own experience I can say it is important to find a seasoned professional. That's XAPCREDITSOLUTION AT GMAIL DOT COM, he's got something truly amazing and it worked for me. My scores soared right up after one week of hiring him! Can you believe it? He removed my discharged chapter 13bankruptcy off all three credit reports! I had been battling with them and the courts over a year! My Experian, Transunion, and Equifax are over the 780s. I used 609 letters lexis, nexis freezing and no success! 5 stars for speed and effectiveness but their customer service is lacking, sometimes I found myself not being able to get hold of XAP immediately but he always responded within a day, this could raise a concern to certain people but I have no problems as they delivered results. Lexington law and others had great customer service but they didn't deliver so I gotta go with what truly helps my credit score and not totally rely on just customer service reps trained to pacify you.