I’m so grateful that I reached out to XAP Credit Solution—I’ve had no regrets. I was struggling with National Credit Systems and had received a letter from them stating an agreement to settle my debt. However, despite this, they’ve been unresponsive and rude, which left me stressed and unable to secure an apartment. They kept threatening me with lawsuits, which only made things worse. Then, I came across a forum where someone recommended XAPCREDITSOLUTION at GMAIL dot COM/‪(801) 988-9890‬ for credit repair services. I reached out to them, explained my situation, and they immediately started working on clearing negative reports, late payments, and even bypassed some of my credit issues. They wiped out both mortgage and inquiry records, and now I’m proud to say my credit score is 806 across all three bureaus. If you’re dealing with similar issues, I highly recommend contacting them for help with fixing your credit report.