What more can I say than a sincere appreciation to HACK JOE CREDIT SPECIALIST haven fixed my credit just when I thought I had no chances of a better credit score considering my situation then. I had a car loan that shows a repo, credit score (486 TransUnion and 512 Equifax), student loans, late payment and collections for a total of 3 accounts for decades that never go away, and hard inquiries when I was trying to get approval for car loan. Few days after I subscribed to the services of this credit specialist having contacted the company via HACKJOE127@GMAIL.COM, my score jumped to (752 TransUnion, 769 Equifax), hard inquiries, student loans, car loans and late payments all cleared, 2 positive trade lines were also added to my credit report. All these I confirmed after receiving an updated copy of my credit report.