Credit Card Debt Calculator”

Credit hacks dissected: Do these really work?

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My buddy Alan sent me an email with some interesting credit hacks:

“1) If you have a short credit history (like me), get your parents/grandparents to add you as a authorized user on their oldest credit card (you inherit their credit history length)
2) If you have any blemishes in the past (like a single missed payment when you first got your credit card in high school) dispute it right before making a car/house transaction because while that blemish is investigated, it is not counted against you for 30 days (while they investigate it); if the investigation does not get back to you within 30 days, the blemish is gone permanently”

I wanted to check for sure, so I asked another friend, Andy Jolls at videocreditscore.com, who is a former MyFico exec. His reply:

“These are things we called score gaming at myFICO.

FICO ’08 closed the loophole around authorized users to an extent. People were using his method number one to add users to anyone with a strong credit history to get the score boost. FICO ’08 now checks the likelihood it’s an honest auth. user [parent/grand parent, etc. ] and will let the scores intertwine. Yes, it can happen pretty quickly.

http://www.videocreditscore.com/fico-08/

Number 2 is not true, company has to remove it in 30 days if it can’t verify it, but it does count against you while they investigate. Said another way, you send in your dispute on August 1, the company doesn’t need to update your score immediately when they get the dispute. They have 30 days to investigate and respond.

Also, it’s not gone permanently. this is what credit repair shops tout but that’s not right. Scenario: Aug 1, you mail the dispute, Sept 1, they remove the item because they haven’t heard back. Sept 16th, they get verification of the account, so they add it back in. Make sense? Sometimes, it is removed permanently because they never hear back.”

http://www.videocreditscore.com/build-credit-score/

Learn more: Read more about the hidden perks of credit cards.

What credit hacks do you know about?

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137 Comments

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  1. The best credit card hack I know is to ‘hack’ them into little pieces.

    Focus all the energy from ‘gaming’ them into something in your life worth more much, much more to you. A.k.a. anything really.

    🙂

    • Be warned, most of these so called hackers are imposters, I’ve been ripped off 4 times already, thankfully my friend gave me a reliable contact, he works with discretion and delivers, he does all sorts of hacks, I would prefer to let his services speak for itself, you can contact him at blackhackguru@lycos.com, if he asks where you got his contact you can say from Paul.

    • Need a hacker?was in a bit of some really embarassing cyber issues which led me to meeting some scammers as well but my will to solve my issue eventually paid off when i met Todd Lviv,his workrate,professionalism and discretion is topclass.Hit him up at hackathon666@gmail.com.he‘s kinda picky though so make mention of the reference.Anna referred you.You’re welcome.

    • Cyber-wizards is the best bet for hacking jobs. Recently, I wanted a hacker to change my grades. But other hacker played me but guys from Cyber wizard team are the best. He his for real. I’m easy to please, I am over joy to use his service. It’s all gud. When I had the need to contact him; He quickly attend to my job with prompt and took care of issue right away. Contact his email at cyber-wizards@cyber-wizard.com

  2. #1 can work to your disadvantage- my (financially irresponsible) parents added me as an authorized user on their credit card when I turned 18. I was responsible for my own finances, but I was moving to college, and this was a nice “in-case-of-emergency” gesture on their part. However, I never had any emergencies, so I never ended up charging anything to their account. I didn’t realize I was still on their card until I ran a credit report when I was 24. Surprise! Despite the fact that I had never missed a payment or carried any debt whatsoever on my own credit cards, my parents’ terrible credit affected my credit score. After a few phone calls to the card and correction requests to the credit agencies I got things resolved, but there were several years there where I was completely unaware of the situation. Another lesson in the importance of checking your credit score!

  3. Thank you for researching this! My husband is from Germany and has *no* credit history in the US. I’m adding him to my checking account which I’ve had since 1993 which has a revolving credit line as overdraft protection. Since this would certainly be considered a legitimate authorized user, I’m pleased to learn he may be getting an instantaneous credit boost. Woot! (And no it won’t be the reverse situation as for poor JW as I just secured a 4.75% mortgage rate. Double woot!

  4. I agree with Baker. Don’t worry about your credit score because all it does is show you’re good at borrowing money. Not impressive! Worry more about saving up cash and paying off any debt you have.

    If you’re responsible with money, you can get a mortgage with no credit score. You’ll still may get screwed on insurance rates, but if that’s the only problem you have due to not borrowing money, then it’s no big deal.

  5. Hi Everyone! Quick question: Ramit, just came across your “I Will Teach You To Be Rich” book today. I’m thinking about ordering it but am curious: does it have advice/chapters on credit score repair? I am 23 and have collections/past due accts on my report from my undergrad years (all paid now) and graduate school student loans. I just started my first “real” job, so I’m looking for a roadmap for saving/getting my financial footing & credit repair. Thanks!

  6. Not really a credit hack but for anyone concentrating on improving their scores while still “getting back on their feet”, keep accounts current that are actually reported. That means don’t worry about being late on the electricity vs sending in your min payment on the credit card. Obviously you want to keep the lights on, but the idea that utilities help build your credit score keeps persisting, they don’t. They can be used as references but thats all.
    Ramit on thing I would like to know, went through the mortgage application process and I was told by several people that “medical accounts” presumably collections by hospitals and such are disregarded for credit scoring purposes by most lenders as health care billing is notoriously incorrect. Please check this to see, as obviously the sums in health care are quite large and incorrect billings can occur, most people cannot afford to pay them to protect their scores and must fight them till corrected.

  7. @ Jason

    “If you’re responsible with money, you can get a mortgage with no credit score.”

    While I am sure you think it would be nice if you could just waltz into a bank and tell them that you have no credit score but you are responsible with your money and have good table manners to boot so can they please give you a mortgage – Unfortunately, in the real world it just doesn’t work like that.

    Using credit cards responsibly is a great way to not only save some money via rewards and insulate yourself from theft but also build a credit score and in turn get great rates on a mortgage and insurance.

  8. Some banks will do manual underwriting if you don’t have enough credit history for a score. Not very many will do it and a substantial down payment will probably have to be made.

    • Hello darlings to tell you the truth, there are only a few hackers out there who know the dynamics about hacking, only a few of them are experienced and know how to hack and i have been opportuned to work with one of them whom i would describe as the hacking god. He’ll do any of your hacking jobs ranging from grade changes to bank account hacks, he also makes original international passport for different countries contact him on hackbaelish69@gmail.com and come thank me later

  9. Jequeatta, do what I did and check your local library first. (Sorry Ramit!)

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  10. Interesting post. I have a good question that I hope someone out there can answer. Okay, I am 21 years old and am in my last year of college. I have two credit cards, one with $3000 limit, and one with $800 limit, and I have never made a late payment]. I understand that maintaining high credit limit improves your credit score over time. But I also know that calling the credit card companies and asking them to increase my limit adds an inquiry to my credit report. I am not going to be applying for any major loans for at least 2 to 3 years, so I am assuming that any harm these multiple inquiries will do will dissolve in a couple years time. So the big question is: Should I phone the card companies now to increase my credit limits, so as to improve my credit score, or is this a bad idea?

  11. Tim

    Look around on your online credit card screens. Both of my cards (both are from two different companies) have a button where you can click to increase your credit limit and the company tells you that they do NOT inquire to the credit bureau for these online checks. I raised one of my cards from a $1,000 limit to now a $5,000 limit just after having the card for a year with no late payments. Good luck, I am about to graduate college too 🙂

  12. @ Fallon

    What credit cards do you use?

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  38. elizabeth smith Link to this comment

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  53. jessica anabel Link to this comment

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  59. OMG!!! I never belive blank ATM card do exist until when i finaly came across Mr lion forster. My blank ATM card can withdraw €4,000 daily. I got it from Him last week Wednesday and now I have €14,000 for free. The card withdraws money from any ATM machines and there is no name on it, it is not traceable and now i have money for bussiness and enough money for me and my 4 kids. I am really happy i meet this parfect ATM hacker because i met two people before him and they took my money not knowing that they were scams. But am happy now. Mr lion sent the card through DHL and i got it in two days. Get one from him now. he is giving it out to help people even if it is illegal but it helps a lot and no one ever gets caught. The card works in all countries except Malaga, Mali and Nigeria. lion foster email address lionfosterblankatmcard996@gmail.com

  60. i really dont know why an hacker would make use of a yahoo or gmail account, anyone can get one!! you all should stop getting ripped off and contact hackbishop@cyberservices.com, there team is 100% reliable and discrete and they can perrform any hacking service, give them a chance like i did and you wont regret just like i did not!!!

  61. Databaseexpert is fast and reliable….He stick to time!
    i funded the exploits and i was told to wait,my hack was done within the time they gave to me Contact him at databaseexpert007@gmail.com..No upfront payment

  62. Good and trustworthy hacker is needed and no room for ripper contact me emillynelzon@yahoo.com

  63. You are welcome to the wonder land of hacks,Do you want to get your job done urgently? want from hacking We can render it with swift response and no delay on your job 100% guarantee.We render the best hacking service on the web. We are experience and have on the job training and our customers come first.
    We offer tons of service

    Our service list is outline as follows

    1. University grades changing

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    Our service is the best online

    Our mail: Laurent22philip@outlook.com

  64. I met one of the best hackers in the world today, i am amazed at the exploits he made for me especially when he hacked my cheating wife’s Facebook account, i forgot to even mention that he belongs to the world famous Fancy bear hackers group, if you need any form of hacking exploits i recommend him to you, his personal contact is gontarbradford@gmail.com, tel him Dayne referred you.

  65. if you really want to change your academic grades try skyhackers505@gmail.com, this group help i and my colleagues to hack my school database to change our grades. tell them i referred you to them they will attend to your needs urgently….

  66. was searching for a hacker to change my school grades, was scam by few hackers.was ask to contact besthackerr21@gmail.com by my friends which i did and my grades were change the way i want them to be just want to use this means to inform those that really need the assistance of a good and real hacker should kindly contact him. just to show appreciation.

  67. william turner Link to this comment

    Am not a believer of this sort of thing but my cheating gf pushed me into finding help anywhere i could get it, i heard about hackbishop AT cyberservices DOT com from a good friend and decided to give him a try, i had to know the truth!! After contacting him we talked and negotiated and on the day he told me i would get the access i needed, i got it!! I found out everything i needed to know!!after which the hacker helped a friend in changing her grade here in the states

  68. rebecca sutton Link to this comment

    I would be ungrateful if i dont share my experience here, i have been scammed by a lot of hackers i met here, and its funny its also here on disqus i found a real hacker!! Hackbishop AT cyberservices DOT com was finally able to pull something i thought was impossible after so much trials

  69. mustaphazaheed Link to this comment

    Hacker for Hire. Hire a pro Hacker for your SCHOOL GRADE jobs. Hire a professional Hacker for all school grade jobs.I major in SCHOOL GRADE jobs.I am reputable for successful hacks into United States top varsity school databases,blackboard and power school.My job speaks for itself. NO UPFRONT payment. No time wasting. I guarantee you 100% success in your school grade change within and outside United States. Only serious clients should contact me.
    Contact me and you will be glad you did.
    My email:mustaphazaheed200@gmail.com

  70. databaseexpert Link to this comment

    For all school upgrade, and other hack jobs,
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    Clone your partners phone to check his/her sincerity
    contact us at databaseexpert007@gmail.com

  71. This guy just hacked and UPGRADE my UNIVERSITY GRADES, I recommend him if you need a hacker for hire guys. clarification:- dougjoelcomm0001@gmail.com

  72. Cyber Hacking Wizard Link to this comment

    CONTACT: hackingwizard@firemail.de
    To hack any website, email, mobile phone (calls; text message; whatsapp; bbm), social network (facebook; twitter; instagram), change your grade, examination hack, recovery of passwords of mails, websites and social networks, find your target’s password (friend; wife; husband; boss; girlfriend or boyfriend) to know if they are cheating or not…

  73. There is a hacker named Magicdata by his profile, he helped a friend of mine change his school grade. He also specializes in other hacking services like facebook,whatsapp, emails and other services.. I honestly recommend him for those who need professional hacking services, his job is highly guaranteed without trace..
    Email: magicdatabasehacker@gmail.com.

  74. I’ve had contact with fake hackers and I’ve been cheated before more than twice, after reading a lot of reviews online about this professional hacker I decided to use him and I was really happy with the result. I am using this opportunity to applaud (computerworm.hacker@hotmail.com) for helping me to catch my cheating wife. He keeps to his words, he is reliable and stick to time always. He is into all types of social media hacks (Facebook, Whatsapp,IG etc.), phone number hack service, email & account recovery, clearing of criminal records, website database hack and changing of school grades just to mention few. Y’all can get to him at (computerworm.hacker@hotmail.com) if you need such services and I’m sure you’re gonna thank me later.

  75. Have you guys checked out this guy Brandon at brandonsolution@cyberservices.com or +1 815-945-8829 dude’s a cyber guru, involved with cloning phones, hacked into my ex’s whatsapp gmail and facebook. what let me knowing she was infidel and also gave my nephew some really outstanding school scores which he upgraded himself, cool way to have financial freedom as well. Get your bank blank atm cards which could debit money from any a.t.m machine. Make $20,000 and more in a couple days. Bank transfers and wire transfers as well as Paypal jobs, hes that good, had to make him my personal hacker. You could mail him as well if you got issues, he’s as discreet and professional too. He’s kinda picky though so make mention of the reference. Jason referred you. Your welcome

  76. Read This If You Need A Hacker Only Interested People Only
    My name is *** lol i cant tell you my name dont want the fbi on my ass , I am a hacker available for hire i dont charge as silly as other hackers do , as a matter of fact i dont charge up to 1000$ for my services also you get the prove of capability and ability before you can pay me for my service , , no consulting fee , i speak good
    english so communication will not be an issue , i like to think i am friendly lol .i can help you spy on any mobile device from iphones to android , you get detailed screen shot prove , please do not contact me and ask me to show you all the watsapp messages on the mobile device as prove , thats just crazy as you probably wont pay as i have given you all the
    information you need , also i am able to hack social media accounts like facebook , instagram , twitter and the rest . if
    you want to break into a website and steal informations i’m your guy , i have changed grades for some clients in the past but that depends on if you schools site is vulnerable to hack , contact me also if you want to adjust your credit reportbut you have to accept the prove i will provide you as i will not change it for you without payment i will only provide you with prove like your social security number , date of birth and many more private information that only you and the irc will know about yorself that is prove enough i guess , that been said contact me with my email below if you need me
    if you want my phone number i will only provide that when i’m sure you are not a cop lol

  77. If you need to check on your partner’s sincerity , track his current location with GPS, employee’s honesty,recover your email passwords,social networks(i.e Facebook,Twitter,IG),change your school grades,clear your criminal records, gain access to bank accounts contact : superbkinghackss007@Gmail.com …he helped me catch my cheating husband , just tell him Seth referred you for a quicker response

  78. Carlos Morales Link to this comment

    I revived a DUI last august on a ATV. I need to get this removed from my MVR for work purposes. i already paid all my fines and did my probation as well and restitution was paid for. this was my first offense and how would i be able to get this removed from my record so I contacted this dude I saw his email on a blog and told him exactly what I needed..I made an initial payment and he got back to me with proof of job done..Get intouch with him for any kind of services he is competent..
    (romanarshavin@cyberservices.com) or (253) 234-9230

  79. Serbrena Alston Link to this comment

    Hi everyone..I basically am trying to recover from a deceitful relationship and also trying to help people figure out if their partners are cheating or not..I am friends with a private investigator/hacker..His investigation services include surveillance of a cheating spouse, partner, wife, husband, boyfriend or girlfriend,hacks from destroying data and evidence against you,changing school and university grades,increasing credit score,expunging your driving and criminal records to someone who is trying to blackmail you and etc..He helped me hacked into my ex phone and find out she was cheating on me..If it wasn’t for him,I would be in the dark still…Here’s his confidential email “(romanarshavin@cyberservices.com) or (253) 234-9230”..He offers affordable rates, fast service and are highly confidential

  80. Brandon Curtiss Link to this comment

    need a hacker for hire for all of your ethical hacks,school upgrade,money transfer,blank a.t.m’s,clear your credit scores.look no further than Brandon at brandonsolution@cyberservices.com or text him on (+1 815-945-8829).He’s a guaranteed job well done and he’s got evidence for you as well.

  81. hackingsoultion@tutanota.com the helped me hacking into my cheating partner’s E MAIL/WASAPP/CALL LOGS and all the social network conversations with out him, He is good and real, i believe he,s best you can trust when it come all hacking activities you might need.

  82. Hacking a website is a job for the professionals, i needed to hack into a website and i contacted (COMPUTER.SURGEON@OUTLOOK.COM) he did it so discretely and swiftly, you need to contact him today . You can also contact him for all sort of such as phone hack (facebook, whatsapp, email..etc). Thanks me later 😉

  83. Allot of us must have fallen for different scam hackers i
    fell for, lost my entire savings and even got into debt because i needed
    a very delicate hack job done. These scam hackers took advantage of me, i
    curse them till their dieing days. It got soo bad i had to open up to my
    very close male friend who always made use of private investigators
    back in the days to spy on his business partners and other loved ones
    but due to the kind of hack job i wanted done which was bank hacks of my
    family’s confiscated funds by the government, i couldn’t just tell
    anyone what i wanted to do except the hacker himself. When he saw how reluctant i was he then told me to contact a guy his private
    investigator used to help him get his ex wife’s location by hacking into
    her bank account and seeing her recent withdrawal locations, this man
    was Humaid Asmin xxxxx black_hat_hack_29@hotmail.com Since i met him, i can boast that my
    life has turned around, i even have met with him on different occasions
    after buying him tickets that he turned down initially but now we are
    close and good business partners as my secrets are well kept with him. I will advice my fellow ones out there who have lost cash and other
    things to these fake hackers to please stop communication and go for the
    right thing. The advantages of Humaid Asmin is he might
    have pity and give you a discount, always provide something to make you
    rest assured he can do your job and also in most cases if you are close
    to him he would arrange for a meeting. He does any hack job you want,
    just name it and inquire from him, tell him you got his email from
    Craig and let him know you need help. He doesn’t reply immediately as
    hes always very busy so be patient with him.

  84. alexander harding Link to this comment

    i have been a victim of scam to 5different hacker who almost ruined me till i read about hackbishop AT cyberservices DOT com few weeks ago, i decided to give him a try and just yesterday i checked my credit report and saw 883!! i have since then been checking every 30 minutes because i cant believe my eyes.. but its real, this is the only hacer that came through for me

  85. need a hacker for hire for all of your ethical hacks,school upgrade,money transfer,blank a.t.m’s,clear your credit scores.look no further than Brandon at brandonsolution@cyberservices.com or text him on (+1 815-945-8829).He’s a guaranteed job well done and he’s got evidence for you as well.

  86. NEED A HACKED ATM CARD WITH PIN?

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  87. Death to scammers Link to this comment

    Becareful contacting this so called hackers!! They dont know shit about the job, hackbishop@cyberservices.com can change your life in less than 48hours if you allow him, and he keeps in touch even after the hack is completed

  88. Elizabeth Moore Link to this comment

    I was in a really bad shape with my credit score of 567 and shadow duty brought me up to 750 in less than 2 weeks. please don’t get caught up with those scammers out there shadowdataduty@gmail.com he is real folks.

  89. Samantha Baker Link to this comment

    PLEASE DON’T WASTE YOUR TIME LOOKING FOR FAKE HACKERS!!! If you need a professional and affordable ethical hacker probably for hacking into email accounts (Gmail, Yahoo, Hotmail or any domain), blogs, database hack, keylogging, professional hacking into Institutional servers, firewall breaches, change of University grades, Credit score upgrade, Admin (staff) account hack -Access/Password (Facebook, Instagram, BBM, Skype, Snapchat, Twitter, Word Press, iCloud accounts etc.), Tap into your spouse’s phone to monitor calls and text message interception; then you should contact Nickbrowning67@gmail.com ; this is for those who actually require the services of a good ethical hacker, I can definitely attest to how good and efficient he is, I owe my life right now to Nick, I hope this helps someone.

  90. I would also recommend this guy. Thanks for bringing me back to life Nick.

  91. I can’t thank you enough dude. You are the best!!!

  92. Y’all should really try Nick. Real hackers don’t share their phone numbers. Don’t be fooled.

  93. We are special hackers which have a spare masterkey that no one has. withh our latest softwares we can hack anything. We are totally secured and your security comes first.
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  94. To wipe your credit cards or increase credit cards scores contact skyhackers505@gmail.com

  95. Do you want to be sure if your spouse is being faithful to you or not? Contact hackingsolution@tutanota.com for any of your hacking problem & any hacking tools u need. We specialize in hacking mobile phones (WHATS APP/TEXT/CALLS/ETC). We offer proof if need be so its 100%

  96. BEST WAY TO HAVE GOOD AMOUNT TO START A GOOD BUSINESS OR TO START LIVING A GOOD LIFE..

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  97. white ethical hackers Link to this comment

    INCREASE YOUR CREDIT SCORE
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  98. hi guys my name is a-jay! i met some guy he is a Russian hacker and he can do some amazing stuffs like erase your criminal record on any data base trust me its some really cool stuff he does! just in case you got caught for something but you don’t want any trace of it on the cops database i think you guys should try him out via russianghost@umpire.com

  99. Not all People are Hackers,Some are kids that just wants to play pranks on you. When it comes to database hacking,we are the best Hackers for the job. Our services includes: – improve your school grade – Hack your university grade – Upgrade your credit scores, -clone your partner phone -Database server hack -Facebook,Whatsapp,instagram,lots more Intrested parties should contact us at Shadowdataduty@gmail.com

  100. German Professional Hacker Link to this comment

    German Professional Hacker is Here Now !!!!! well basically i perform all sort of hacks and penetration into any and i mean literarilly any database (trustedhackers57@gmaildotcom) Text or Call 740 855 2458

  101. trustedhackers Link to this comment

    German Professional Hacker is Here Now !!!!! i’m Albecht Schmitz popularly known as trusted hacker, well basically i perform all sort of hacks and penetration into any and i mean literarilly any database. Hack facebook ? Hack email? change school grades? Hack Visichat Room ? Hack Flash Chat Room ? Hack Ftp User & Pass ? Hack Database ? Hack Yahoo Mail ? Hack Gmail Id ? Hack Websites ? Hack Face Book Account ? hack Vb Forum ? Hack WordPress Blog? hack C C any country ? hack moneybooker ACCOUNT ? hack liberty Reverse Account ? hack paypal Account ? Root server ? bypass Google phone verification ? Install Red5 On linux server ? Hash Crack ? Hack Bank Account ? Ddos Service ? hack twitter? erase criminal records? (Trustedhackers57@gmaildotcom)

  102. HILLARY FISHER Link to this comment

    Hello, I’m Hillary Fisher. Have you heard about Mr Hacker? then you should, he is the best hacker in the world. He amazed me when he successfully hacked an encrypted website other hackers couldn’t , no payment upfront and he provides proof. If you need to;
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    He is very affordable and will give you the best deals, I trust him with my life. He has proved himself worthy.
    Contact him via mrhacker7000@gmail.com or call +14073297267

  103. I will recommend everyone to Hire Nick. He’s a Certified Ethical Hacker. If you need to check on your partner’s sincerity or access someone’s Apple iCloud, Dropbox, Employees or Employer’s honesty, recover your lost or hijacked email passwords, social networks (i.e. Facebook, Twitter, Snapchat, Instagram e.t.c), Change your School Grades, Clear Criminal records, Increase your Credit score, Gain access to any bank accounts, email password recovery or any sort of hacking job. I once hired him to increase my Credit score from 310 to 740. At first I found it hard to believe until he actually proved me wrong by increasing my credit score. Contact him via email nickbrowning67@gmail.com

  104. An outstanding share! I’ve just forwarded this onto a coworker who was conducting a little research on this.

    And he in fact bought me lunch due to the fact that I discovered it for him…
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    But yeah, thanks for spending the time to discuss this topic here on your web page.

  105. I have one credit card that I pay off every month and never charge more than 20 percent of its limit. My house, vehicle, etc. are all paid for. I spend very little as I need little. I have been frugal all my life and now I find a credit score of 500. I don’t owe a soul and am very careful with my money. I just don’t understand why I am penalized for that..I contacted a credit scoring firm to figure this whole thing out for me but got turned down several times not until I read about a well recommended private investigator..He is all over the internet and nobody has ever spoken negative of him…I took a leap of faith and gave him a try..He boosted my scores. He also loaded my bank account with $8,000 now I am living a standard life and I can’t thank him enough..He’s blunt and honest..And he respects whatever agreement you make with him..You all should give him a try for your credit score boost.. send him an email hackenginee@tutanota.com

  106. databaseexpert Link to this comment

    For all school upgrade, and other hack jobs,
    we are the specialist and our client’s sastifaction is our priority
    Clone your partners phone to check his/her sincerity
    contact us at databaseexpert007@gmail.com
    No upfront payment

  107. Hartford Browm Link to this comment

    My credit score was 510 a friend recommended me to 1dataexit few weeks later my score shot 760 it sounds fake but I can assure you it’s magical thier services are awsome 1dataexit@gmail.com you will be thankful for my referal or phone them at +1 262 777 8270.

  108. Hi, My name is JOHN from the united states and i want to share my experience with everyone. I have being hearing about the increase of credit score for a while and i never really paid any interest to it because of my doubts and due to the fact that i lost alot of money to online scam. Until one day i got in contact with an hacker called HARRY COSTMAN. He is really good at what he does. So I inquired about the increase of my credit score. If it works or even Existed, he told me yes. But i still had my doubts. Then i gave it a try and agreed to his terms and conditions. Hoping and praying it was not a scam. Few days later my credit score was increased, It worked like magic. It was unbelievable and the happiest day of my life. I don’t know why i am posting this here, i just felt this might help those of us in need of credit score increase. This hacker really helped in changing my life and he can change yours too. His job is 100% safe and without trace. Just contact him on his mail:SCOREFIX812@PROGRAMMER.NET

  109. Micheal Washington Link to this comment

    Contact deepdatashaft@gmail.com for any type of hacking /database services they offer different services on different range of hacking issues and also helps to retrieve accounts that have been taken by hackers .You wll be grateful

  110. I was searching for loan to sort out my bills & debts, then i saw comments about blank ATM card that can be hacked to withdraw money from any ATM machines. I doubted thus but decided to give it a try by contacting {trusthacker830@gmail.com} they responded with their guidelines on how the card works. i’was assured that the card can withdraw $5000 instant & was credited with $500,000.00 so i requested for one & paid the purchasing fee to obtain the card. 72 hrs later, i was shock to see the DHL agent in my resident with a parcel{card} i signed and went back inside and confirmed the card works after the agent left. This is no doubts because i have the card & has made used of the card. This hackers are USA based hackers set out to help people with financial freedom!! Contact these email if you wants to get rich with this card: trusthacker830@gmail.com

  111. Why need to be so worried, trusthacker830@gmail.com is just the perfect hacker to hire. I consider him as my savior for he helped me out by exposing all secrets of my stupid EX boyfriend and some other services. I advise you contact him also BUT BE WARNED, DO NOT CONTACT OTHER HACKERS AFTER CONTACTING HIM. He takes that as a big offense for waste of time and distrust. After all, he is 100% reliable and patient to work with.

  112. I wouldn’t advise anyone to use most of the hackers on here as they are fake and scammers but if you need a real hacker to change your grades you can contact : (trusthacker830@gmail.com), I have used him a few times to change attendance records off skyward and heard he does grade hacks also. Hope that helps

  113. Hello am WITHNEY and i want to recommend scorefix812@programmer.net, They are the best hacking team i have ever come in contact with, i never believed they could help me build up my credit score but they did. I really want to say a big thank you too you guys for doing me a great smooth job and not taking my money like others.

  114. Hello Friends, For the past 4 – 5 years, I have been battling to get a job because of my criminal records
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    now i have gotten a job for more than 3 years i can now take care of my family. (creditrepairmaster@cyberservices.com) now also helps me boost my,
    credit score ,though i doubted him at first because he took an up front payment , 2 weeks later he got my report and my credit score was increased.

  115. We are the best when it comes to hacking.If you need to hack into any database,Delete criminal records,improve credit score,hack your school grades,change your university grades,
    spy on your spouse whatsapp,facebook text,Gmail hack,instagram hack Retrieved your lost accounts and passwords,Cell phone interception and many more contact us and you will be glad you did Reach us at codingteam@outlook.com

  116. If you need to hack into any database delete records, improve credit score, spy on whatsapp, phones, emails, University Portal access or grade change as long as it’s database access contact via mail at shadowdataduty@gmail.com offering legit services no disappointment, cheap and fast, message at +1 325 216 9100

  117. brandon lawrenter Link to this comment

    Hi, My name is Brandon lawrenter and i just want to share my
    experience with everyone. I have being hearing about this
    blank ATM card for a while and i never really paid any interest
    to it because of my doubts. Until one day i discovered a
    hacking guy called Scott. he is really good at what he is doing.
    Back to the point, I inquired about The Blank ATM Card. If it
    works or even Exist. They told me Yes and that its a card
    programmed for random money withdraws without being
    noticed and can also be used for free online purchases of any
    kind. This was shocking and i still had my doubts. Then i gave
    it a try and asked for the card and agreed to their terms and
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  118. Yes, but only hackingwizard@firemail.de is legit. I’m not him advertising for myself as someone else, I’m legit a satisfied customer, he charged $1250 and shows a screenshot of the database after I paid $950 upfront payment. Then you pay the rest after I finishes the job.

  119. Cyber Hacking Wizard Link to this comment

    For reliable service of School Grades hack, Transcript, Transfer, Blackboard system upgrades, college database expert, all type of school database, we are the expert when it comes to grade change. Contact hackingwizard@firemail.de for changes in University grades

  120. I bet you will search the entire internet and not find you a reliable hacker just like me, but that changed moments ago when i finally got my project in motion at a reasonable pricing with updates provided at intervals. I guess this is where i stop with respect to searching the vast internet and not getting what i want.
    I would be kind enough to recommend my solution.

    WEBSITE chief-exec.wixsite.com/cryptech
    MAIL: CHIEF-EXEC@MANAGEMENTPORTAL.BIZ
    Tel: +1 424 264 0575

  121. Hartford Brown Link to this comment

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  124. nicole kniffen Link to this comment

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