I had credit scores of 509 (Transunion) 497 (Equifax) in February. I applied for a surgery loan in April and was not approved because of my low fico scores. I contacted my loan officer and she told me that I need a high score of 775 above to get qualified (considered by FICO as Good) and I was desperately in need to get my credit fixed because I had to do the surgery at that time. I had seen some wonderful recommendations of a good Credit Expert on the internet called Hacknet Credit Specialist So I contacted him and he fixed my credit report and increased my score to 810 across all bureaus and I was approved within a week. I still have my scores at 810 because it was a permanent repair. I am so happy I found this Credit Expert and I will recommend him to anyone out there who is desperately in need of his services as well, you can contact him on [email protected] +1(646) 450 2754