I lost my house about 3 years ago, my credit score was 535. I can't afford to rent a comfortable home to live, because even landlords run credit checks, so I need to apply for a home loan it was the most horrible and screwed moment of my life . I read about this credit coach on a credit score forum, how he had helped many people with their credit issues (cyberhack005 AT gmail DOT com) , I finally give him a try. I wrote a letter for each thing on my credit report basically, and he gave me the assurance that he will fixed. I couldn't believed this at first but a week later my credit which was low increase which I also confirm on credit reporting agency file. This is totally incredible i can now buy a home.