I recently got my credit score checked and ever since I have been stressed out. My score is 480.I didn’t understand credit entirely when I got my first few cards. I failed to make payment on time, I closed two cards out shortly after opening them, and my third card was sent to the collections then I got referred on discuss to contact JEFFCLOUDCREDITSOLUTION@GMAIL.COM or text him at +1 (781) 257-8953) just a weeks after contacting him my score was improved to 840 excellent score I’m so damn happy right now