I once had a credit score of 416, I paid my credits and other bills on time, I have a regular and a secured credit card. But I Only had two collections that were not paid off and it was over 2years old which had damaged my score drastically and affected me in many ways. All efforts to raise my credit score quicker did not yield any result because it is rising slowly even with on time payments. Luckily, through a friend I met CREDIT HACK247 who helped eliminate those collections on my report and raised my credit score to 780. Contact them on CREDITHACK247@GMAIL.COM or text on WhatsApp +1 (325) 305-2915. They are fast and reliable in credit restoration service.