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I got a letter from a collector stating I purchased crotons it’s fraud I sent info it was fraud so a few months later received for the same reason but it’s another collector, I also had some other collections and charge off with a credit score of 409 I tried on my own to fix my credit but it never worked so Martha told me about X A P C R E D I T S O L U T I O N @ G M A I L. C O M and quickly contacted XAP, although I was skeptical at first but decided to work with him in less than 7 days I pulled my score and every have been fixed without any red flag; XAP increased my score to 810 this has enabled me to buy a good home of my own.