I strongly recommend Rootkit Credit Specialist . They helped me out so much after already paying a self-acclaim credit expert who basically just took my money and did nothing for almost a year, I found them on a credit forum and they immediately showed results and even guided me on what my best solution for my trade in for a new vehicle would be with a lower approximate % and not to mention how well they inform you and explain to you everything that's going on with your credit. My score has been raised to 780s in less than 9days and all derogatory items are gone. They're currently working on my wife's report. You can reach out to them via rootkitscreditspecialist at gmail dot com. You can thank me later.