I had 3 items that I tried to dispute with the original creditor because the accounts billed for an additional month after they should have been closed. They were marked as "disputed" on my report, but one went to collections. Both the original source and the creditor were reporting on my file. I just wanted them OFF the damn report so I could get the score up. Does it make more sense to just throw money at the problem? I queried my colleague who recommended Hack West as the best credit specialist and advised I should rather work with West to fix my credit which I obliged. These accounts are more than 4 years old. But Hackwest@ writeme .com didn’t just remove those items; he also raised the score to 798 from low 510. I live in Florida but just moved from Massachusetts so it wasn’t difficult to get a good loan to purchase a place here. Whatsapp:+1 424 307 2638.