"CLEVERCREDITFIX1 AT GMAIL DOT COM" is just too professional at what he does. My score was raised from 540 to 780 in less than 4 days. All derogatory were removed as well as the DUI fix and Chex system that messed up my credit score. Clever Credit didn't stop at that, he also removed the collections, repossession and charge offs from my report. I thought it was a joke until I pulled my report from the bank and saw the new changes he made. I was approved of a car loan and got qualified for a mortgage loan after this repair. I strongly recommend Clever Credit Fix to everyone in need of credit repair.