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Good news I came across NEW HORIZON CREDIT 1 , I used to have a lot of sleepless nights due to my low (FICO) credit score that was below expectations ,and I couldn't access loans and mortgages for the new house I was about buying for me and my lovely wife . New horizon credit1 has been able to bring up my credit score tremendously by monitoring my credit between the three credit bureaus and resolving issues with providers. They are always available when I call. They take their time to discuss progress on my case and keep me updated. After about four working days of contacting them I was shocked to discover my credit score went from 650 -780 . Now I just got approved for a mortgage ! . I highly recommend NEWHORIZONCREDIT1ATGMAILdotCOM , because their representatives are helpful ,hardworking and they also do what they say , fix your credit !