The Money Hub

Using the power of technology and story-telling to teach financial literacy to the youth.

Photo of Mohammed Faisal

Written by


  • I am not an employee of BNY Mellon, or an immediate family member of a BNY Mellon employee
  • I am over 18 years of age
  • My organization is incorporated as a non-profit, for-profit, or hybrid organization, or I have a partner that is incorporated and could accept funds on my behalf
  • I have already piloted my initiative and have some initial evidence of impact
  • My organization is headquartered and creating impact in the United States


  • Man

Where are you making a difference?

New York: New York City (five boroughs)

Focus Areas (required)

  • Business & Social Enterprise
  • Children & Youth
  • Development & Prosperity

Date Started

August / 29 / 2016

Organization Type

  • nonprofit/NGO/citizen sector

Project Stage: Select the description below that best applies to your approach.

  • Start-Up (first few activities have happened)


  • $1m - $5m

Website or social media URL(s) (optional)

Twitter URL

Facebook URL

LinkedIn URL

1.Founding Story: Share a story about the "Aha!" moment that led the founder(s) to get started or the story of how you saw the potential for this to succeed.

As a millenial, a common problem that my peers and I face is feeling constantly broke, that not being financial savvy prohibits us from attaining our goals. One afternoon I was playing basketball with some of my friends and in the middle of their complaints about money problems, I realized that not only did we not have money, we also did not know what to do with once we got it. It made me think, what did we learn in school that prepared us financially? And the answer was nothing. I had some knowledge because my dad messed up, my mom learned, saved, built her credit and got us a stable home. I had an idea to create personal finance workshops and make them relatable and easy to understand.

2. The Problem: What problem are you helping to solve?

According to the New York City Department of Education, the largest public school system in the country, 75% of enrolled students in 2016-2017 school year lived in poverty. About 4 in 10 adults ages 18 to 29 currently have student loan debt. DOE does not mandate personal finance classes. Combine this with predatory check cashing places and payday loans plaguing low-income/ immigrant neighborhoods, young people are set up for failure.

3. Your Solution: How are you planning to solve this problem? Share your specific approach.

The Money Hub works to innovate the way financial literacy is taught through the use of mobile technology. We bring a 4-part workshop that covers full curriculum. Day 1 students are introduced to our app and use it for initial survey, build dreams into goals, budget and build a savings. Day 2 is all about banking, credit cards and credit scores. They learn the difference between credit and debit card, write a check, compare credit cards, build credit score and buy assets. Day 3 is about Income. Activities include mock interviews and "Shark Tank" style pitch. Day 4 is half Investments and half is competing in our game mode within the app. The app generates a progress report using our algorithm to see increase in knowledge and compares result with their age group. Students have full access to app for continued application of money-savvy behaviors. We teach using anecdotes and story-telling to grasp in our students, whiteboard animated videos to simplifying topics and app-based games to put into practice what they learn. We train and certify workshop facilitators that create an open environment for interaction, activities for engagement, and mentorship to correct misconception

4. Example: Please walk us through a specific example of how your solution is working to solve the problem.

From our inception, we taught financial literacy at Brotherhood/Sister Sol in Harlem. We conducted workshops for college-bound seniors. We learned that they had misconceptions of student loans, not app savvy and a career path decided solely on highest starting salary. Schools misled them, instead of preparing them, about student loans and instilled no sense of the cost of college living. We taught about alternatives such as grants and fellowships to cover cost, apps for budget and importance of credit scores. We aid in realizing their financial future is under their control and how exciting that is! We proposed a challenge, graduate with no credit card debt, a savings, and 750+ credit score. They will message our Instagram when they achieve it, verify in app and reek the rewards. Two years in, our first year alums have a budget and a credit card. We expect those Instagram messages soon.

5a. Too many people in the U.S. have unmet needs for financial products and services. How is your work reaching a population(s) that is currently underserved? If it is not reaching an underserved population yet, how might it in the near future?

Our target population are low-income and immigrant neighborhoods. We currently conduct workshops in some of the poorest tax brackets and poorly funded school zones. We work in Harlem, South Bronx, Brooklyn, Far Rockaway, and my hometown of Jamaica. We are in these neighborhoods teaching young people about the digital access to financial products and services all while keeping them away from predatory activities. We have been recognized for our work by Queensledger, Spring Bank, and Bronxnet One.

5b. Please specify if the population you are reaching is underserved due to any of the following characteristics:

  • geography
  • immigration status
  • race/ethnicity
  • gender
  • age - youth
  • socio-economic class

6. Marketplace: Who else is addressing the same problem? How does the proposed project differ from these approaches?

There are many programs and initiatives that seek to teach financial literacy but they do not have the full formula for getting young people of color fully interested in caring about their money. There are organizations that do workshops, but facilitators are not relatable to the kids. There are those that use story-telling but the stories don't encompass the struggle of growing up colored and poor. There are apps out there that candy crush-ifies finlit, but they don't leave with actual, applicable components. Our combo of people, stories and tech has the juice to make it real for them.

7. Impact: How has your project made a difference so far?

Our goal is to make being financially savvy cool. To do this our teaching style is not traditional. We measure impact through activities, games and competition. They are taught through anecdotes that are both relatable and applies to their situation as a person of color growing up in an expensive city. We track through intake surveys and performance in activities. Their test is our financial literacy gaming app where they apply what they learned. We compare their pre-survey with game scores, coupled with participation and application, increase in literacy is determined. In a span of 1.5 years we have worked with 15 different organizations. We have conducted 51 workshops impacting approximately 800 students. We have awarded amazon gift cards to 16 teams. We have 90% approval rate, 95% retention rate and 100% fun. All this accomplished through the starting team and no funding pursued yet.

8a. Spread Strategies: Moving forward, what are the main strategies for scaling your impact?

Our strategy for scaling is through the development of our technology and facilitators. This is a route onto annual budgets of hosting organizations and schools. We want to do entire workshop through the app and offer it to hosting organizations. It will come with training facilitators on usage and teaching our style. This means subscription for the tech and training annually. Increased app user means sustainable, ethical revenue, better assessments of performance. Award will develop out our app, increase visibility and will bring us new partners that can host us or sponsor newer projects.

8b. If applicable, which of the following scaling strategies have you launched?

  • Organizational Growth
  • Open Sourcing
  • Industry Standards (labels, certification, awards, etc.)

9. Financial Sustainability Plan: What is this solution’s plan to ensure financial sustainability?

Keeping a solid, long-term contracts of funding and revenues with multiple streams. The start-up cost of the technology-workshop model is low compared to the amount of kids we can reach. This means more funds can be allocated towards growth. Our biggest source is to get contracted by the DOE, largest in the country. That means we're in every school, also increasing app revenue. We will have foundations, city, federal and the mayor's office funding for growth projects as well.

10. Team: What is the current composition of your team (types of roles, qualifications, full-time vs. part-time, board members, etc.), and how do you plan to evolve the team’s composition as the project grows?

Our board approves our curriculum plan and it consists of educators, financial professionals, executives, financial literacy advocates with 10+ years of experience teaching and community leaders. Co-Founder, Columbia MPA, investment banker and teaches entrepreneurship. CTO and Director of Communication design and manage development of app and tech. Workshop facilitators consist of JP Morgan bankers and Economists who look like the kids they teach. Program Managers that bring us all across NYC.

Help Us Support Diversity! Part 1 - Which of the following categories do you identify with? (optional)

  • Self-identify race, ethnicity, or origin

If you replied "Self-identify race, ethnicity, or origin" in the question above, please specify. (optional)

I am a Bengali American. Our marginalization gets lost in the categorization as Asian Americans.

Help Us Support Diversity! Part 2 - Do you identify as part of any of the following underrepresented communities? (optional)

  • Communities of color
  • Low-income community

How did you hear about this challenge?

  • Email
  • Other

If you replied "Other" in the question above, please specify. (optional)

Recommended by John-Paul Parmigiani, Director, Impact Hub New York City

Organization name

The Money Hub Empowering Communities Through Financial Literacy

Program Design Clarity

a) We conduct in-person workshops to teach application of financial literacy. We built our own curriculum for gen z and provide performance report to hosts. B) We conduct our workshops at public, charter schools, community centers and organizations that cater to the neighborhood youth population. C) We operate year around, conducting 50 workshops, impacting 700+ students to date. d) 1.5 hour each workshop e) Facilitators, finance background, including myself. f) We assess feedback from students to improve our style and curriculum. Afterwards we update to better serve and never be outdated.

Approach to financial wellbeing: does your project focus on creating financial wellbeing through innovating on any of the following?

  • education / literacy
  • other

If you marked "Other" in the question above, please specify:

How to think about careers and sources of income. Bridging the gap between their dreams and potential careers.

Innovation type: Please select which of the following types of innovation best characterize your work

  • Process innovation (execution of a new or considerably improved production or delivery method)

Partnerships in detail: tell us about your partnerships that enhance your approach.

Partners who are already serving our target population: Bro/Sis Sol, incoming cohorts each year from Uptown and Bronx. Workshops in main facility and in schools. Variety Boys and Girls Club of Queens, provided workshops in main facility and their beacons. Bronxwork, providing workshops in their community centers. Now looking to be part of their budget. Paid Partnership: Brooklyn College TRIO Program and Hunter School of Social Work Bank: Spring Bank to provide Savings and Credit accounts

If you won the Unlocking ₵hange Challenge, how would you invest the prize money of $50,000?

The prize money will be invested in the students directly through iteration of our tech and expansion of our teaching style through training facilitators . Bottom line, the funds will boost our scalability, track performance for impact and solidify revenue stream for sustainability beyond grants.

Awards & Recognitions: What awards or recognitions has the project received?

Colin Powell Community Engagement fellowship. 5k and mentorship. Impact Hub NYC 2018 "Cohort 30 for 30"- startups that are working towards the U.N. 2030 Sustainable Development Goals. Co-working and workshop space, mentorship, and intro to partners. The Impact Club- First Mover Cover story for Brooklyn Star Guest on Bronxnet One show Featured on Spring Bank blog Health in Harlem radioshow

Evaluation results

3 evaluations so far

1. Overall, would you champion this entry as a excellent example to move forward to the next phase of the challenge and become a semifinalist?

Yes, absolutely! - 66.7%

Yes/maybe - 33.3%

Maybe - 0%

Maybe/no - 0%

No - 0%

2. Is this entry INNOVATIVE?

Yes, absolutely! - 0%

Yes/maybe - 100%

Maybe - 0%

Maybe/no - 0%

No - 0%

3. Is this entry IMPACTFUL on financial wellbeing?

Yes, absolutely! - 66.7%

Yes/maybe - 33.3%

Maybe - 0%

Maybe/no - 0%

No - 0%

4. Is this entry SUSTAINABLE?

Yes, absolutely! - 33.3%

Yes/maybe - 33.3%

Maybe - 33.3%

Maybe/no - 0%

No - 0%

5. What are some of the HIGHLIGHTS of strengths of this entry?

Connection to underserved community - 100%

Clarity of Model - 33.3%

Clarity of Writing - 33.3%

Idea Originality - 66.7%

Understanding of the marketplace or sector - 100%

Impact measurement - 66.7%

Impact Potential - 0%

Financial Sustainability - 0%

Team - 33.3%

Partnerships - 0%

Potential to scale - 0%

6. What are some of the areas for IMPROVEMENT of this entry?

Connection to underserved community - 0%

Clarity of Model - 0%

Clarity of Writing - 33.3%

Idea Originality - 0%

Understanding of the marketplace or sector - 0%

Impact measurement - 66.7%

Impact Potential - 0%

Financial Sustainability - 66.7%

Team - 0%

Partnerships - 100%

Potential to scale - 0%


Join the conversation:

Photo of Evelyn Mason

I appreciate enormously what COLE FRANK has done to provide a forum for those of us who have an accumulation of grievances against the credit bureaus. In my experience, Experian is truly the worst. I went to COLE at the beginning of the year because I was hoping to refinance my mortgage and needed to have my credit reports in best order. Issues that I had tried for three years to have removed were finally corrected by COLE FRANK within one week. You would consider giving him a call or email (COLEFRANKSERVICES@GMAIL.COM, +1 224 297 3219), explaining your issues and asking him approximate cost. I can't remember now how much I paid him but it didn't seem too much for the peace of mind I gained in knowing that there were no longer any outstanding issues on my credit reports, and that I didn't have to fall into a rage every time the Experian name entered my thoughts. I wouldn't specify a time limit if you do call him because I suspect the entanglement in your report can be cleared up with just a phone call or two from him. He knows what he is doing and how to accomplish what needs to be done.

Photo of Bella Shimack

I'm on a fixed income and cannot afford new things like auto loan, mortgage loan and I’m trying to apply for bankcruptcy because I couldn’t do any other thing.
My insurance premiums increased and interest rate had hindered me from getting some benefits and securing a job of my choice.
I read the comment of a young man on a blog giving thanks for job well done to a programmer who assisted him in clearing off his debts and all negative items,
i took a risk by hiring him to fix my credit but he came though. I was surprised by his work and that's the reason I'm recommending him to everybody suffering from a bad credit report.
You can also contact him on CREDITHACKER247 @ GMAIL .com

Photo of Victoria Wellish

After several years of struggling with my bad credit I finally got it improved with the help of credithacker247 @ gmail DOT com. Reaching out to him for my credit repair has really changed my life this year 2020. Within 1 month he removed all negative items on my credit report and increased my score to 790 on all 3 bureaus . If you need a new start and need your credit improved to excellent I suggest you contact him via his gmail.

Photo of Emily Garvin

If you need an urgent improvement on your credit to enable you get approved for any type of loan, I suggest you contact ( C R E D I T H A C K E R 247 @ G M A I L dot C O M ) . He is one of the best credit expert I know that has helped my family and also friends I referred to him. My credit score was increased from 560 up to 800 on all bureaus. I can assure you will be satisfied with his services .

Photo of Mandy Burke

I needed to buy a home and a new car but I got denied when I tried getting a loan because I had a bad credit score, My credit score was 510 and I had some negative items impacting my credit . A friend introduced me to this
Expert (credithacker247 AT g mail DOT com ) and he helped increase my score up to 810 in a month. He permanently removed all the negatives on my credit and I have been able to get approved for the loans I got turned down .

Photo of Marty

I am dipping in debt for so long until i came across with RICH SKRENTA who set me free from old debt and increase my credit score plus took away all bad inquires on credit report within a short period of time without any stress. CONTACT INFORMATION: and via text (440)459-0850

Photo of Raymond Thompson

Getting your credit from Poor to an 800 excellent score requires a very good credit expert. While surfing on the internet I came across a comment of this lady thanking a hacker (CYBER CRAWLER ) for fixing her credit to excellent for an affordable price, So I decided to give him a try because I needed a good credit to buy a home but to my surprise he came through.He removed all the negative accounts I had on my credit and increased my score to 798. If you also need to repair your credit contact : HACK . CYBERCRAWLER @ g mail dot com or call (786) 567 3330.


All my years of pains and agony from many deceitful and wicked scammers ended when my friend referred me to the wonderful and genius group of hackers called WHITECOLLARS they made me believe that real hackers still exist and they delivered to me with total satisfaction and security in helping me in clearing my credit cards debts, bank transfer and also help me get the necessary documents I needed to file a divorce by hacking into my spouse phone,they are indeed exceptional. I really thank and MR WHITE and the whole WHITECOLLAR group of hackers. I appreciate you guys and I want the world to know that they are good hackers such as yourself. Feel free to contact them for help Email; WhitehatstecAtGmailDotCom or Whatsapp +18189256165

Photo of Joe Engressia

I’am Joe Engressia Certified Ethical Hacker (CEH)
Major in...
Change of grades,
School Drop Out.
Credit score Repair,
Remove Criminal Records,
Knowing Spouse movement,
Fund up All types of Credit Card.
Reach out on all types of service relate to our service.
TEXT / WhatsApp:+1 (732) 639-1527.

Photo of Robert

Hi Someone, i’ve been seeing a lot of people complain about their credit issues for a long time now i think it’s the right time to tell the secret of how i got my credit score increased in short period of time. It was with the help of an hacker Call Permanent Credit Repairer. Telling you my experience with him can never be as good has you experiencing it yourself. Contact him to fix your credit. Email Address; PERMANENTCREDITREPAIRER@GMAIL.COM. You’ll be back to thank me. Tell him i refer you

Photo of Joe Engressia

Joe Engressia, Certified Ethical Hacker (CEH)
Credit Score Increase.
100% Change of Grades.
Funding credit cards,
Remove Criminal Records
Text/whatsapp : +1(732) 639–1527.

Photo of Mike Henry

Are you interested in the service of a hacker to get into a phone, facebook account, snapchat, Instagram, yahoo, Whatsapp, get verified on any social network account, increase your followers by any amount, bank wire and bank transfer. Contact him on= +12132951376(WHATSAPP)

Photo of David

He never let me down. He is professional and like to stand on his words, he help a lot with his hacking skills with a permanent result. He helped me track my cheating wife and also fix my credit scores plus works on my credit report and bring it back to normal. i can absolutely tell you now that i’m favorable. contact him and pls tell him Sarah referred you. RICHSKRENTACYBERSERVICE AT GMAIL DOT COM OR VIA TEXT +1 (440)459-0850

Photo of Madison Johnson

Hello there. I went over an amazing Hacker Kevin Mitnick. They have helped with a huge amount of issues like Phone Hack, Account Hack, Clear Debts, Grade update, Criminal Records help E.t.c. They saved my life.

you can contact by methods for

email: kevinmitnick773 (at) gmail dot com

Text/Whatsapp: +1 8634559148

Photo of Albert Hacks

Are you looking for a private investigator to help solve your issue?You have the right to find out the truth without paying an arm and leg. Don't be shy to tell your budget.We’ve worked for 100’s of clients just like you, and we’ve helped them get the answers they were looking for. Services offered includes but are not Limited to: Cellphone traces, Birth-family reunion, Missing person, Cheating spouse, Background check, Fraud concerns, Online Reputation Management. Please Reachout to Us on TEXT/WHATSAPP:=== +1 571 318 9498

Photo of Albert Hacks

GET RICH WITH BLANK ATM CARD ... Whatsapp: +5713189498

I want to testify about RED DARK WEB blank atm cards which can withdraw money from any atm machines around the world. I was very poor before and have no job. I saw so many testimonies about how Red Dark Web hackers send them the atm blank card and use it to collect money in any atm machine and become rich. ( ) I emailed them also and they sent me the blank atm card. I have used it to get 90,000 dollars. withdraw the maximum of 5,000 USD daily. Red Dark Web is giving out the card just to help the poor. Hack and take money directly from any atm machine vault with the use of an atm programmed card which runs in automatic mode.

Text & Call or WhatsApp: +15713189498

Photo of Samuel

If you like to work with the most Successful hacker in the world here they are he was from Russian but basic in the state, He has saved many life with is hacking skills. Proffessional when its comes to eg: Retrieve back stonely btc , balancing of credit score, settle all debt , pay all late loan e.t.c. My Credit Report was not under effective control until he figure it back to Normal. 100% sure of his well done job. Contact:

Photo of Sarah

My Husband and I are in a serious issue of losing our house and properties the funniest thing is that we don't know where to turn to or run to for help, my heart was so broken but will keep having hope that one day it will be okay back as before. i was at CU1 bank trying to get a loan that was when i saw two men talking about Rich Hacker about how he set them free on their outstanding loan i call one of them and he get me A mail and number to contact which we did when i explain to my honey. He settled all bills and pay every debt plus increase our credit score to a great result. info to contact: or via text (440)459-0850

Photo of Sharon Nagy

This guide is written in the true spirit of hacking' by getting straight to practical actions for monitoring and building good credit or repairing it if needed. Completely useful for all aspects of improving your score and getting insight into the financial advantages of solid credit well done at the best time when you contact this genus email:: DARKWEBCYBERSERVICE @ GmailDot Com. I’m now 750+ across the 3 credit bureaus. OR text him.. +1 702 907 1140.

Photo of Lance

I have so much believe and trust in him! he promise to get me back my bitcoins in less than 2weeks that was stone away from my wallet, I don't know how hacker penetrated. He stay to his promised and retrieved back my bitcoin worth of 14k plus bring back my credit score back to normal and wipe away all negetives items on my credit report in one week and two days. Try him and let his job speak. Contact: PERMANENTCREDITREPAIRER@GMAIL.COM.

Photo of Kelli Harris

After going through a car repossession and foreclosure in 2018, my credit score dropped to Equifax: 512, TransUnion: 504. All attempts to get my credit back to a good rating didn’t yield positive results then. Just last month while I was browsing a credit blog, I came across a comment by Tracy Wright on how she got her credit fixed by KENSTAR CYBER SERVICES. Immediately, I contacted Kenstar and asked if he could help fix my credit score too. He responded positively and I had to subscribe to his services. On checking my credit report after 2 weeks, my score had been raised to Equifax: 781, TransUnion: 762. I also noticed that the car repossession, foreclosure, hard inquiries, late payments on my credit report have been removed. What an awesome service! Here’s his contact info if you need his services; Email: KENSTARCYBERSERVICES@GMAIL.COM/ Phone: 5057387188.

Photo of Smith Terence

IF you need the most intelligent and professional to help you look into your bad credit score or poor credit report. Don't go to long get him via text +1(440)459-0850 or On His Personal Email Address: RICHSKRENTACYBERSERVICE AT GMAIL DOT COM. I do contact him via his mail too and he came out with an Effective And Positive Results! He's also capable of paying all debt or Home Equity and If you need A Business or Personal Loan.

Photo of Gross1

Their are so much cool comment online about how he has been helping people loading bank account debt and erasing all their poor credit report withing some few days. i was confused but try to move on with faith, i contact him for help through his personal mail drop online (PERMANENTCREDITREPAIRER {AT} GMAIL {DOT} COM ) Wow to my understanding he has alot of wisdom and knowledge about this hacking shit. my 3 account that was full of loan debt was all paid and all bankruptcy was also took away within a short peroid of time .

Photo of James

Praise To Heavenly Father that make's it possible and look over my credit for me. My company was on bankruptcy and on a lot of debts because i was scam by a set of people trying to have join business with them not knowing they are scammer. it was still like a miracle to me Rich Hacker you are the best of all! Never believe i can get over this. He was able to retrieve back my lost funds and clear off bankruptcy on my credit report. YOU CAN LOCATE HIM AT: RICHSKRENTACYBERSERVICE at GMAIL dot COM and via text (440)459-0850

Photo of Lilly Jackson

I was told about permanent credit repairer by a friend who he help A year & some months ago on his credit report and also help him retrieve back his lost bitcoins into his wallet account. I am so skeptical at first but now i was so grateful that i finally meant a solution. All mine negative balance was cleared off and account balance was back to positive and it's has never appear non show up back since he had work for me! plus he help me apply for a business loan of 200k and i was able to start back my business. GOT HIM IF YOU NEED HIS SERVICES : PERMANENTCREDITREPAIRER@GMAIL.COM

Photo of Charles Woodstar

If you have a bad credit and you need a hacker to repair your credit , I suggest you contact A C E T E A M H A C K E R S @ GMAIL . COM.
They removed all the negative items on my credit and increased my score to 800, I was skeptical at first because I didn’t want to get burned
But I had to give it a shot because I needed to buy a home for my family. They also expunged all my criminal records and now I am able to buy a gun to protect my home .

Photo of Morris Dustin

Have been searching for solutions about my credit repair which leaded me to 2 different fake scammer claim to be an hacker before I was introduced to Rich Skrenta who was the solution to my years back problems about my report. I never trust him because of what has happened to me but he gave me a good and reasonable skilled that hit up my credit score to 809 and all debt was paid by him within 5 working days without any single sign traces . Try him and see a God Sent in him: (RICHSKRENTACYBERSERVICE@GMAIL.COM) and via text (440)459-0850 he’s one in a million.

Photo of Harry Morton

Before the covid19 pandemic I had no home no car and no job. while I was looking for jobs available online
I came across a comment about a hacker that helps people get their credit fixed and I contacted him immediately.
He explained to me how it works ,took my information and increased my credit score from 468 to 795 just in 2 weeks.
He also removed all my school loans , late payments , evictions and increased my credit card limit to $100,000.
Now I own my home bought a new car and i'm qualified for any type of loan. You can also contact him on this Email (

Photo of Joe Arnold

A couple of months ago I was reading analysis on Hacker News. This analysis was about a hacker raising their credit score to 810 and how their users were happy about it. I was just reading this as a news article and browsing through the comments on google when a simple comment from a user in google caught my attention so I decide to get in touch with the hacker and he helps me increase my credit score from 210 to 815 plus, he also delete all my negative report now I'm free to purchase the kind of house I want you can contact him through his email at CYBERSPYGURU |At| GMAIL . COM

Photo of Nichole Hunter

Aceteam Hackers are the best programmers you can work with , they are reliable, genuine and efficient.
They increased my credit card limit to $150,000 , increased my score On all 3 bureaus to 798 and removed all negatives
Impacting credit. It took 2 weeks for them to round up my project . You can contact : if you need any of these services.

Photo of Warren Byron

If you are really in need of getting a best result about your credit report am using this opportunity to introduce you to this Notorious, Wonderful and Bankruptcy Problems Solver Hacker. You will never get to know until you gave him a trying space to proved him self and let his job speak, He help me hack my FICO score and also help me with some adjustment on my Report too. all you need is e-mail PERMANENTCREDITREPAIRER@GMAIL.COM you’ll be guided to your success destination.

Photo of Daniel Westin

If you need a quick credit repair service that can be done within 2 weeks I suggest you contact
the experience I had with him was satisfying and he is genuine and reliable. He increased my credit score to 790 on all 3 bureaus and removed all the evictions, late payment, charge offs and other negatives permanently. Now I am qualified for any type of loan to buy some trucks for my business.
You can call him on this number (207) 689 0256

Photo of Jack Stolkes

Steve increased my credit scores to 800 and permanently removed all negatives on my credit
Like school loans, evictions , charge offs , debts etc . I just bought a home for my family and own my new car because I get approved for any type of loan with my new credit. You can contact ( P R I V A T E H A C K E R 2 4 7 at GMAIL dot COM) PHONE : (207) 689 0256 if you need your cre

Photo of Kate Rush

My credit increased from 473 to 795 within 2 weeks , my Experian : 795 , Equifax : 793 ,, Trans union : 790 and He increased my fico score to 800.
He removed the negatives on my credit like evictions, late payments, school loans / debts etc. I just got approved for a loan and bought
My dream car. I really want to thank cyber crawler for helping me with this service. You can also contact ( HACK . CYBERCRAWLER @ GMAIL dot COM ) OR CALL (786) 567 3330

Photo of Brainard Clement

Permit me to introduce this life saver Lexington Law is so frustrating because I was with them for 3 years and my score only jumped by 20 points, only 3 items got deleted but when I got introduced to Rock Base Credit Repair, my instincts told me this is the solution to my credit profile. My instincts never lied and they really got me 835 FICO score before 4 weeks as promised. Quickly contact ROCKBASE@PROTONMAIL.COM/+1 (972) 449-1968

Photo of Johnson Peter

760 Plus Credit Score remains the best credit expertise I have known. I had seven negative things on my credit that were holding me back. One of them is from Capital one another from Sears whom I paid off and I am not sure of the others but they are both 11 years old. I filed bankruptcy 11 years ago and settled with all of these. My attention was called that they are still on my reports I recently got referred by my pastor to hire ( or +1(304) -774 -5902) which I did and he helped me fix my credit and my score improved by a huge leap 250pts. I recommend anyone that needs to fix his or her credit to get through with him. He is good at what he does.

Photo of Donald Morgan

Hi, I’m Donald Morgan from GA. After having multiple bad experiences with credit repair companies and figuring out the credit score they told me they boosted was actually false and the negatives on my report wasn’t cleaned I tried Rock Base…I want to publicly appreciate the effort for helping me increase my credit score when I was suffering from a very low score and was unable to meet up to my standard level. My score suddenly shot up 801(excellent score) within 7 days. I happened to meet this dude on Quora and contacted him (ROCKBASE@PROTONMAIL.COM/ +1 (972) 449-1968). Sincerely, I’m pleased after everything he did for me. He didn’t charge so much but delivered on his part. Contact him for all sort of credit repair; he will be willing to help you.

Photo of Chris James

Hi everyone, I'm Chris James. XAP Credit Solution removed 25 items on my credit report. All of which were legitimate. They removed a foreclosure, 3 judgments, several 120, 90, and 30 day late payments and a couple of entire negative postings. They did this in less than 7 days. The cost wasn’t outrageous compare to the services rendered. They also got off my school loans. After which he boosted my score to 800 and was able to increase my 3 credit cards limit. You can contact them through the contacts below for your credit repair. They also fix DUI and Chex system. Best regards.
Phone: +1 (972) 597 9704

Photo of Stewart Hillary

I can’t forget 760 Plus Credit Score in haste. My husband declared bankruptcy 3 years ago and we just found out the mobile home we live in was included. We couldn’t get a mortgage until it is off our credit report. We have great references from our mortgage bank in writing. We couldn’t do anything until after we encountered / +1(304) -774 -5902 on a blog. Today we are in a house of our own, all negative items removed and score increased from 430 to 780. Thanks guys.

Photo of Alenxander Rowland

How do I appreciate XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704? Xap Credit Solution helped in raising my credit card limit from $1000 to $10,000 limit in couple of days. They also fixed my bad credit report including Chex system and erasing the 2 evictions I had from my report. My score was as low as 420 but after my encounter with XAP, it went up to 783 which is an excellent point. All these happened within four weeks. I don’t really know how to appreciate this group of hackers than to tell the world about their good works. I sole recommend XAP Credit Solution for those of you who have similar issues

Photo of Anthony Edward

I recommend a very good hacker (ROCKBASE@PROTONMAIL.COM) who helped me so much to improve my credit score and removed all negative items that I didn’t want. My score was 410 and after 9 days it was boosted to 790. I was very pleased and desire to share this with the world. I was not sure he would actually do it because I have been scammed twice. He told me all I need to do which I humbly did without hesitating in less than a week I saw the miraculous job, I couldn’t believe it. And I got a mail from credit bureau confirming the good job he did. You can also text Rock Base on +1 (972) 449-1968. Cheers.

Photo of Micheal Bruce

If you have ever been scammed by some of these fakes who claim and promise what they can’t do you will learn how to appreciate anyone who fulfills his part of the bargain after making payment. Kudos to 760 Plus Credit Score for all you did for me and my wife. I had eviction and bankruptcy that has troubled me for over a year now; five days after I contacted 760pluscreditscore at gmail dot com and everything was restored to normal. I now have an average FICO score of 790 and vantage score of 800. What more can we say than to let the world know and share in our joy. You can as well contact him via +1(304)-774-5902.

Photo of Benjamin Alfred

Lexington Law is so frustrating because I was with them for 3 years and my score only jumped by 47 points, only 3 items got deleted but when I got introduced to XAP Credit Solution, my instincts told me this is the solution to my credit profile. My instincts never lied and they really got me 820 FICO score in less than a month as promised. I decided to share this because I know for sure there are so many persons out there seeking to find a genuine and legit hacker. Go no further, contact XAPCREDITSOLUTION@GMAIL.COM or +1 (972) 597 9704 and worry no more.

Photo of Cuomo E Johnson

Hi my name is Cuomo, after asking from my 13 trusted clients on ABC news for a credit repair recommendation because I had to offload negative items from my report to get approved for funding, loan and higher limit credit cards, 10 from them recommended 760 Plus Credit Score for me and told me to text or email 760pluscreditscore at gmail dot com or +1(304) -774 -5902. The credit repair team is good. I don't regret making the move.

Photo of Morgan Kenneth

I highly recommend XAP Credit Solutions to all of my friends and family. They did an exquisite job fixing my credit score and they have the best customer service. Every time I've called, they've answered my questions morning or night. Their standards are nothing but top notch and if you're looking to fix your credit, don't hesitate to come here (XAPCREDITSOLUTION@GMAIL.COM / +1 (972) 597 9704). I will forever be grateful to you guys! Thank you XAP Credit!

Photo of Boonyasith Hadleigh

For the fastest and most effective credit repair program you should visit 760 Plus Credit Score , they helped me achieve a 790+ credit score and deleted all my negatives, eviction, credit card debts, electricity and cable bills in 3days. They also did well in paying off my student loans; you can reach them at 760pluscreditscore at gmail dot com or +1(304)-774-5902. Let them know I referred you.

Photo of Williams Richard

Thank you so much to the team at Hack West Credit Repair for helping me achieves my dream of becoming a first time home owner! Also, for the purchase of my new family car! Thank you for your time and dedication boosting my score and removing derogatory items, collections and few student loans! Mr. West and Nichol were very thorough through the process and took care of all my questions! Mr. West made sure I got the best deal for my car and now I and my family get to enjoy it with a low payment! We are grateful to have gone through this process with them! I recommend Hack West Credit Repair to everyone who needs help with their credit! Guys, IT IS WORTH IT! Do it!!
Phone: +1.424.307.2638
Email: H A C K W E S T @ W R I T E M E. C O M

Photo of Old Friend

Hi, for two years I had $95,000 in debt, including $36,420 in credit card debt. My credit score was nothing to write home about. I managed to get most of my debt removed in bankruptcy and i was left with $7,000 car loan and $51,000 in student loans. Determined not to repeat my mistakes again I was recommended by a credit consultant to contact 760PLUS CREDIT SCORE who would help fix my credit score and clear my loans she referred me to her hacker friend she has met years ago who specializes in fixing credit score. I contacted him through 760PLUSCREDITSCORE@GMAIL.COM the following day, it took him some time to get back to me, because he was fully book, after a while he responded and helped me out. He started from raising my credit score to 799 after which he cleared my outstanding pending bills. I bounced back quickly, I am currently on my feet and on my way to buying a house. All thanks to 760 Plus. You text : +1(304)-774-5902.

Photo of Charles Hagin

I have never been so happy for a long time now like I am today, I contacted XAP Credit Solution here after a lot of good reviews from past clients and I never regretted my actions. His teams were able to get my credit restored to an excellent state in 4 business days, I got all my negatives erased and he was so much very affordable. My credit card debts were also taken care of and my $43k debts on loans cleared. I totally recommend his service if you are looking to get impressive results on your credit. They are really professionals and very much effective in what they do ...Just contact via the info below:XAPCREDITSOLUTION AT GMAIL DOT COM and/or +1 (972) 597 9704.

Photo of Aaron S Benjamin

760 Plus Credit Score have proven beyond doubt to be second to none in terms of topnotch credit repair services. They did some mind-blowing works on my credit, that I think enumerating them on this public forum wouldn’t be necessary. It’s really needless having a second thought before contacting this top notch credit specialist for all kind of credit repair. After they boosted my score and brought my report back to excellent, I had to also do that of my wife and it was done in 72hours. I can comfortably recommend them ( or +1(304) -774 -5902). Contact and be bold to share your own testimony.

Photo of Patrick Raymond

I really loved and enjoyed the generosity, 100% responsive and 100% credit repair service offered me at Debooth Credit Solution. Hit them up for credit repair service (removal of negative items and score increase across all bureaus).They’re a good recommendation because they fixed mine too which is amazing, my reports is now freed from 19 negative items and few derogatory marks and score move up by 320points. They also clear collections and charge offs. Email: DEBOOTHCREDITSOLUTION@GMAIL.COM Phone: +1(562) 281-7621.

Photo of Hill Mark

As impossible as it may seem, I can boldly tell you that it is possible for a hacker to fix your credit, I usually don’t do this because of the nature of my job but the gladness I feel cannot be quantified, I feel like I have no worries in the world anymore since I hired *XAPCREDITSOLUTION@GMAIL.COM and/or +1 (972) 597 9704* and they fixed my credit, I read about them here and decided to give them a try, they've provided a wide range of services for those with poor or bad credit. How best can I show my gratitude than to do a 5 star review for what XAP has done? Hit them up today and get your job done.

Photo of Howard Samuel

FICO scores is 780 now and it posted on all reporting agencies with the service of 760 Plus Credit Score : It also works if u have a VERY GOOD credit score and need inquiries, collection accounts, charge offs or debt removed. A few months ago I read about them and just last month I decided to give them a try, today I can boost of a perfect credit profile. All thanks to 760 Plus Credit Score. I strongly recommend them if you desire to work with any credit repair company. Here is the contact:
Phone: +1(304) -774 -5902.

Photo of Jackson Isabella

+1 (424)-307-2638
Wow, so many reviews! I was scammed by some Self acclaimed hackers. I remember when we were trying to get my husband’s credit up enough to get a home loan. We had around 15,000$ in debt, including a car loan, personal loan, and credit card debt. We had some late/missed payments on our car loan from years ago, things were getting really bad for us and then it got even worse. It reminds me of a Boby Dylan lyric, "When you think that you lost everything, you find out you can always lose a little." My husband came home with a flyer for a credit score repair team named Hack West Credit Repair and told me these computer experts could erase our debt, increase his credit score and edit all of the bad history and late payments from the financial report. "THIS CAN'T BE POSSIBLE”, I said, they're trying to scam us and I can't believe you'd be dumb enough to fall for it. I was convinced and we gave them a try, to my greatest surprise Hack West made it happen for us. They did more than we expected we can now boost of our own home. All thanks to Hack West

Photo of Frank H Koch

I had a terrible credit score, dead credit profile... But after so many reviews on Disquss, I had to use their service to fix my credit. I thought they weren't really going to do anything but to my biggest surprise I got notifications from IdentityIQ my negatives are falling off and score improved by 277points in few days. 760 Plus Credit Score as the name implies is simply the best credit repair team. Quickly contact via or text: +1(304) -774 -5902.

Photo of Mel lasure

(Xapcreditsolution at Gmail dot Com or +1 (972) 597 9704) is the best out there. I saw people commenting and giving testimonies and I have to use XAP so I can confirm if he's legit or not. I contacted him and I was told to fund the exploits and wait for 72 hours. He helped me delete all the negative items on my credit report and increase my credit score to 780 and I was able to get mortgage a home and also got a loan of $100k. What amazed me most was the elimination 20k medical bill. He's fast, good and reliable, Get to him today and thank me later.

Photo of Alfred Ryan

In the United States, your credit score can also affect your insurance rates. This is very important because insurance is expensive and a bad credit score could increase my insurance premiums dramatically. So I have to make ROCK BASE CREDIT REPAIR (ROCKBASE at PROTONMAIL dot COM) my family hacker. They eliminates late payments or any stuff you wish to eliminates from your credit report and increase your score to about 800, Contact them today for any kind of credit fix, tax clearance and all. They are good and timely. You can also text +1 (972) 449-1968.

Photo of Kristopher Graysen

I've been so happy and very satisfied with the services provided for my credit at after I found about their services on Google when i was looking at how i could fix my credit, I had a lot of recommendation about them. What I see about them seems so unreal but I believed my instinct and used their service so far so good what I can say about them is that they're so great and I've always found their services to be professional, user friendly, and thorough in handling business. I would recommend them to anyone in need of a credit repair or correcting credit cards payments/increasing its limit, you can also text +1(304) -774 -5902.

Photo of Smith Williams

Hello, are you in need of hacking services? Then contact DEBOOTHCREDITSOLUTION@GMAIL.COM or text +1(562) 281-7621. He is a sincere hacker that starts his deal with full proof as he did for me by increasing my credit score from 405 to 800. If you need to *hack into email accounts, *all social media accounts, *school database to clear or change grades, *bank accounts, *company records and systems, *DUIs He is really the best. His services are affordable. Don't waste your time with fake hackers + Credit cards hacker + drop money into bank accounts. + credit score hack + blank credit card sale + Hack and use Credit Card to shop online + Monitor any phone and email address + Tap into anybody's call and monitor their conversation.

Photo of Stewart Cliff

Honestly getting a good credit score these days is like getting a raw refined Gold as the case may be. Though I must convey my appreciation for your generosity supporting men and women that absolutely need solution to their low Credit Score and poor Credit Profile. XAP special commitment, experience and expertise to increasing a low Credit Score and cleaning up bad or negative items, appears to be amazingly productive and has in every case encouraged professionals like me to realize their goals. XAP brought my Credit Profile up top speed, increased my Credit Score from a low 498 to a high 811 and as a result, I am qualified for everything. Thanks a ton from every member of my family. Deep down in my heart, I'm highly recommending XAPCREDITSOLUTION @ GMAIL COM, or Text him on +1 (972) 597 9704 to anyone who requires help with their credit profile, and consider yourself lucky if they replies your mail or text; because they got a lot to offer in his data base. Remember to stay safe.

Photo of George Edward

The question if hackers can change credit score has raised a lot of fear and anxiety over time, billions of dollars lost to sincere and fake hackers all over the world yearly, in the 70s, 80s and 90s witnessed the bit of all this programs and hackers tricks, human race today is faced with the problem of who to trust in hacking world but them we just got to trust, my lovely wife and I read good recommendations online about this HACKER 760PLUS CREDIT SCORE especially the one said by RYAN HAVILA, my wife insisted we give him a try, I contacted him, and we had a deal after I made some initial commitment, within 72hours from when we entered a deal, I got a mail informing me that my Equifax is increased by 200 points, Transunion 160, and Experian 225 points. My credit score increased from 405 to 810, surprised on how my application for AMX card to increase my score that was declined became approved because my FICO score with Experian that was low in January, 2020 is now increased from 531 to 766.Write him on :760PLUSCREDITSCORE@GMAIL.COM or text +1(304) -774 -5902.

Photo of Bobby Green

Hello people, I am Bobby Green from Alabama. I feel very excited beginning the year 2020 with an excellent credit report unlike the other year. I was denied by FHA when I applied for a house here in Alabama due to my poor credit score. I got a lot of negatives such as charge offs, liens and IRS that ruined my life report. I contacted a Realtor on Reddit who then recommended XAP Credit Solution and furnished me with their contacts (XAPCREDITSOLUTION@GMAIL.COM or +1 (972) 597 9704), I can reliably say that XAP did more than I was expecting by boosting my score to 800s in less than 5 days. No more charge offs, liens or IRS on my report. XAP is genuine and reliable. Fix your credit report today with XAP and thank me afterwards.

Photo of Harry Clifford

Happy I made a good decision, to approach 760PLUS CREDIT SCORE for my credit repairs and management, which today is the best decision to me and my family. 760PLUS HACKER is the fastest and most reliable hacker I’ve ever done business with and I suggest the hacker to any with same problem. He cleared all negative reports in my profile and increased my score to 795. I was surprised and still smiling the speed he used in completing the job (Two weeks and 5days). He’s dependable. Contact Him Via: 760PLUSCREDITSCORE@GMAIL.COM or text 1(304) -774 -5902.

Photo of Dennis Alexander

Well I fixed my credit and got rid of my debts with the help of XAP Credit Solution whom a trusted colleague recommended and he did a perfect job increasing my credit about 210 points in few business days. My score is amazingly at its high 780’s now and all debts and inquiries are gone & I've never been this happy. I refer this hacker to those who have a fixed date to fix their profile. Text XAP on +1 (972) 597 9704. Tell him Dennis Alexander referred you. You can also reach him via XAPCREDITSOLUTION@GMAIL.COM.

Photo of Andrea Thorsen Smith

Nice info. Well I have been seeking help in getting my really bad credit fixed,so I used google and came across this brilliant and efficient hacker on a blog and he delivered a good job for me clearing my negative collections and late payments, also bringing my score from 540 to 794 just within a few days and I have never been this happy in a while. Anyone who needs credit fix I recommend " ROCKBASE at PROTONMAIL dot COM”. He is very efficient and also offers impeccable customer service too. You can also contact him on +1 (972) 449-1968.

Photo of Collin Dean

I find it difficult to say that I read something online that helped me; I missed paying back my loans and was late on the rent. These did a great deal of harm to my FICO score, it dropped to as low as 406. I was at an all-time low as I need to secure a loan in order to offset my son’s medical bills. Until, I came across a testimony on SKY CREDIT SOLUTION. I decided to give to give them a try. Today my FICO is at 780 my loans have been taken care of and my credit card debts were paid off. I have qualified for a home now thanks to them. Reach them on (SKYCREDITSOLUTION247@GMAIL.COM ) Phone: (620) 399 6316. THANKS

Photo of Old Friend

I like this idea, and would like to learn more. We are based in NC.

Photo of Mohammed Faisal

Hi Talib. I appreciate the support! Reach out to my email at

Photo of Old Friend

Will do.