I used my house rent to pay XAPCREDITSOLUTION at gmail dot com to get my credit fixed and I did not regret that because he got my credit fixed. My credit score was at 560 when I contacted XAP and I had countless charge offs and collections. I explained everything to XAP and he promised to get all these erased and I will get to have a good credit score and also increase my credit cards limit and get approved for loans once again. I took heed to his advice and I followed his steps....on the fifth day, my credit score rocketed up to 790 (excellent score); three days after, I was able to apply for credit cards and loans afterwards. I don't have any debts anymore and my credit is currently at 810 till date because the team guided me through and how to make my credit clean so what he did is actually a permanent change on my report. He is the guy I've ever worked with in my life that can guarantee good results. I couldn't believe this until it was done in a very short timeframe. XAP Credit Solution is the best.