I’ll keep this brutally honest: I was ashamed of my credit. I’m 58, and for most of my adult life I avoided credit entirely after my first bankruptcy in 1999. Then came divorce, health issues, and a layoff at 50 that wiped out my savings.

For years I lived off debit cards and prepaid utilities, like I was in financial exile. I tried credit repair companies that promised to "help" but just charged monthly for generic disputes that never went anywhere.

CyberH4cks.com was my Hail Mary. I was skeptical at first, but desperation has a way of making you try new things.

The process? Secure. Professional. Direct. They walked me through what they needed and then, within two days, my Equifax jumped to 803. Experian followed. I went from being invisible to being a high-tier borrower.

They scrubbed medical collections, charged-off cards from 2007, and even removed a bogus apartment eviction notice that had haunted me for a decade.

It cost more than I wanted to spend—but way less than I expected. And compared to the years of lost opportunities? It was cheap.