I used to Have some bad debts, Unpaid student loans and even a criminal record probably as a result of past mistakes or the bad choices made, All of these negative records in one way or the other cause serious damage to my credit-worthiness on my credit reports , thus deflecting my score. Thanks to ( NEWHORIZONCREDIT1 AT GMAIL DOT COM ) who came to my rescue and cleared all the negativities on my credit report and boosted my score .