I once had a credit score of 572, I pay my debts and other bills on time,I have a regular credit card and a secured credit card. Only had two collection that was not paid off and they were over 2 years old which had damage my score drastically and affected me in many ways. All efforts to raise my credit score quicker did not yield any result because it is rising slowly even with on time payments. Luckily I met a credit fixer who helped eliminate those collection on my report and raised my credit score to 784 through a friend. Don't really know how he got it done but I have recommend him to many of my friends and they benefited from his service. Mail him if you need a similar service at CLEVERHACKER.HACK@GMAIL.COM or phone (803)814-5462