I ran my credit into the ground in my early 20s when I let an account go past due and just ignored it for a few months... I was finally able to bring it current but I also accumulated significant debt throughout my 20s. What helped me immensely was when I got recommended to contact R E M E D Y H A C K E R 1 G M A I L C O M. I never believed credit hacking was a thing up until recently, I gave it a shot and it still feels like magic how these guys carried out these changes officially. My score boosted to a whooping 780 with all negative items deleted, it took me this long to get an apartment all because of a low credit score.