Look up the equifax hack. I have said this countless time, don’t go through the usual route if you’re trying to get a different result. I have worked in the video editing and design unit of 2 credit agencies so yes I know what I’m saying and this is what i’m saying, there are two ways to repair a credit, the long process of gradually growing your credit or, getting in touch with a credit ha]ck expert to get the job done. I made use of the latter option and fortunately I got my score raised high and derogatory marks wiped clean within just few days.