trust me having few late payments and collections on your credit report, can be very frustrating. for many years this restricted me from securing a mortgage loan to balance the already available funds with me, sort some other bills and have enough funds with me when i was to buy my house. this gave me a whole lot of stress as i got frustrated and almost gave up . i have a fellowship friend who we bond . she narrated to me how she got repossessions off her credit report by a specialist / repair hacker by the email reach QUADHACKED @ GMAIL . C OM . she met online. i was very reluctant because i've had mine for years and she had barely had hers for 2 years on her report . i gave him a try and he worked excellently well, he applied and confirmed for the removal . this gave my credit score a boost and place it on a path of constant increase . right now i'm on a 762 all thanks to them. hit them at Q U A D H A C K E D @ G M A I L . C O M .