We can’t forget CYBER CREDIT GURU in a hurry. My husband was declared bankruptcy in 2019 (and we later on realized that the mobile home in which we lived was included). While I had a debt of $26k and about 9 negative items on my report. As a result, we couldn’t get a mortgage until we had our reports fixed. We were frustrated, there was absolutely nothing we could do until we encountered CYBERCREDITGURU (AT) GMAIL DOT COM / 1 (650) 439 0624 via a positive review about them on a blog. Today we are in a house of our own, all negative items removed and score raised from 430, 470 respectively to 782 each in 6 days. Thanks to team CyberGuru!