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US Estate and Gift tax exposure

US Estate and Gift tax exposure

Individuals who are US citizens and those who are considered domiciled in the US are subject to US estate and gift tax on a worldwide basis.

A person is considered to be domiciled in the US for US estate and gift tax purposes if they live in the US with no present intention of leaving. A facts and circumstances test is used to determine domicile and takes into consideration the following factors (note that this list is not exhaustive):
  • Statements of intent (in visa applications, tax returns, wills, etc.);
  • Length of US residence;
  • Whether the person has a green card (note that whilst status as a green card holder in itself makes an individual resident for income tax purposes, it is only one of the indicative factors for the purposes of estate and gift tax “residence”);
  • Style of living in United States and abroad;
  • Ties to former country;
  • Country of citizenship;
  • Location of business interests;
  • Place where club and church affiliations, voting registration, and driver licenses are maintained.
 
A person is considered a non-US domiciled alien (NDA) for estate and gift tax purposes if he or she is not considered a domiciliary under the facts and circumstances test described above.

US citizens and domiciliaries

Estate and gift tax rates currently range from 18% to 40%. The rates are the same whether you are a US citizen, US domiciliary or an NDA. The 40% rate is applicable once the value of a taxable estate exceeds $1,000,000.

An exemption amount is available against gift tax and estate tax for US citizens and domiciliaries. In 2020 US citizens and domiciliaries may transfer $11,580,000 free of either US gift or estate tax. Any lifetime usage of the exemption will offset the amount available at death. Please note that the current lifetime exclusion amount is set to be halved for tax years beginning after 31 December 2025 unless extended.

Upon the date of death, the decedent’s estate will receive a “step-up” in basis such that the estate’s and beneficiaries’ basis in the decedent’s assets for US tax purposes will be the fair market value on the date of death (with some exceptions).

Further, there is an annual exclusion available, which exempts up to $15,000 per donee per year of “present interest” gifts from US gift tax. This exclusion is available for gifts made by US citizens, domiciliaries and NDAs (applicable when gift relate to US sited assets). US citizens and domiciliaries can “gift split,” which, in effect, allows a married donor to exclude up to $30,000 per donee per year. However, if either spouse is an NDA, gift splitting is not permitted. The $15,000 annual exclusion amount is increased for gifts to a non-US citizen spouse to $157,000 per year in 2020 (indexed for inflation).

Non-domiciled aliens

NDAs are subject to US estate and gift tax only in respect of US “situs” assets. A $60,000 applicable exemption amount is available for transfers made at death only. Other than the annual exclusion, there is no exemption amount available for taxable lifetime transfers by NDAs.

For US gift tax purposes US situs is real property and tangible personal property physically located in the US including US real estate, land, art and jewellery and also cash (notes and coins).

For US estate tax purposes intangible assets are also included, i.e. shares in a US company (regardless of where physical share certificates are kept).

Where property is subject to a mortgage or debt of some form, it will be important to establish whether the debt is deductible for estate tax purposes thus leaving the net value chargeable to US estate tax. It is important to assess in these circumstances whether the debtor has recourse to just the US situated property in the event of a default or whether the individual is personally liable for the debt under the terms of the loan. If the latter is true, then the amount of the debt that is deductible is limited to the extent of the ratio of US situated property to worldwide assets. Only if the loan is “non-recourse” in nature (i.e. the debtor only has recourse to the secured asset, not to the wider assets of the individual) will the debt be wholly deductible in determining the value for estate tax purposes.

US person receiving gift from Non-Resident Alien

Please note that even though any non-US sited gift/bequest received by a US person (as defined for income tax purposes) from a Non-Resident Alien is not subject to any gift or estate tax the US person must file form 3520 (Annual Return To Report Transactions With Foreign Trusts and Receipt of Certain Foreign Gifts) if the person has received either:
  • More than $100,000 from an NDA or a non-US estate (including foreign persons related to that NDA or foreign estate) that are treated as gifts or bequests; or
  • More than $16,388 from non-US corporations or non-US partnerships (including foreign persons related to such foreign corporations or foreign partnerships) that are treated as gifts.
Foreign tax credits
Depending on where the worldwide assets are located and if the individual is subject to estate and/or gift tax in another jurisdiction foreign tax credit may apply. In general, this is regulated by a double tax treaty or Estate and Gift tax treaty. The purpose of the tax treaty between the countries is to alleviate double taxation on the estates and gifts of citizens and domiciliaries of both countries by modifying the jurisdictional rules of estate and gift taxation with respect to these individuals.

US States

Note that this report does not address estate or gift tax at a State level in the US. Generally, estate and gift taxes are only imposed to the extent that an individual is resident in a particular US State.

Disclaimer: This briefing note is intended to provide a broad overview of the technical position as currently stands and is not intended to be comprehensive. This should not be treated as legal advice and formal advice specific to your circumstances should always be taken.
 

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My wife broke up with me 3 months ago, and forced me to sign the divorce papers, and I was completely heartbroken. And I could not get back into any shape emotionally. I Thank God for this astonishing and brilliant spell caster that came to my rescue. Wow! This spell caster has helped me so much. Dr Jakuta guaranteed me an urgent 24hrs spell casting, of which I accepted it. Shockingly! this month my wife called me back with lots of apologies after 48hrs which he assured me, and he did everything possible to withdraw the divorce papers which was previously ongoing with the power of this miracle working spell caster. Some people testified that he brought their Ex lover back, some testified that he restores womb, cure cancer, herpes simplex virus, hiv and other sickness, Thank you so so so much Lord for your powerful spells. expressions are not sufficient to say thank you. Email doctorjakutaspellcaster24@gmail. com. You can also WhatsApp him on +2349161779461

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I lost my job back sometime last year and my credit scores ran down in the low to 455. I enter the internet in search of help and I met with Aaron Swartz Credit Repair. My old friend introduced me to a Credit Guru AaronSwartzCyberServices A T gmail {DOT} com, Cell #: +1(614) 344-8376. After some couple of days later, He help me clear the negative items on my credit profile and raise my credit score to 800 excellent standard. Thank you Aaron SwartzI will keep recommending you to the world.

JANICE SCOTT

It is crucial that I make this Confession public. My spouse and I intended to apply for a mortgage loan which caused us great frustration because I was unable to obtain approval because of low credit rating issues like hard inquiries, bankruptcy, collection accounts, and late payments. However, I am grateful to PRIME CREDIT REPAIR, whose services became a reality for me after I signed up for them. I am incredibly grateful to PRIME for raising my FICO score to 825, which allowed me to purchase a house and vehicle for my family.
Primecreditrepair0 (at) Gmail (dot) Com is his email address.

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My name is Nina Williams, and I am divorced. I have three kids with my ex-husband, who messed up my credit report before we got divorced. This made my life with my kids a living hell, and I felt frustrated. However, I met a friend in church who recommended H A C K M A V E N S CREDIT SPECIALIST. I contacted them, and within 7 days, they fixed my credit and increased my score from 515 to 785. Now, I can take loans, own a house, and run a business. If you have any credit-related issues, you can reach out to them via EMAIL: H A C K M A V E N S 5 @ G M A I L. C O M or Call/Text/Whats-App: [+ 1 (2 0 9) 4 1 7 – 1 9 5 7].

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Hi there, everyone, I’m John, please to meet you all. I work as a security with a fair rent since I live with a family who doesn’t want me to live alone and have a good paying job. My goal is to build a good credit score to get a good credit card. In April I had 140 dollars or so collections from a gym saying I never canceled my membership. I wasn’t getting charged the monthly fee for it. So, I randomly go on credit karma and see the collections. Few days after I contacted PINNACLE CREDIT SPECIALIST, they increased my score to 809 and improved my credit profile by removing the collections, charge off and late payments. I just saw today it says no more derogatory on my credit Karma. My score went up. I sincerely acknowledge their relentless efforts and urge you to contact PINNACLE CREDIT SPECIALIST for any credit related issue. Contact info: PINNACLECREDITSPECIALIST@GMAIL.COM Or Call 409 231 0041. Honestly, I do not enjoy writing much, but I have let the world know about this genius that helped me.

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I was in the process of rebuilding! I had a 30-day late payment to Bank of America from May of 2019 due to being out of the state I live in due to a family emergency. My mother experienced a life changing injury and was in a trauma center for over a month. During this time, I inadvertently overlooked making my BOA payment. I explained this in a Goodwill letter I sent and was surprised that I immediately got a call stating they would investigate it. I was told to give them two to three days, as they would need time to review my account. One morning, I got a call from the same lady stating that they could not honor my request and remove it due to the Fair Credit Reporting Act. I told her that I was disappointed as I had read that they had removed other’s requests after similar events. She then apologized and stated how they changed the Goodwill/Humanitarian policy in December. I was also an authorized user on my ex’s USAA card that was charged off. It was at some point paid and settled but USAA refuses to remove the negative reporting from my credit report. I have disputed with all bureaus, and it’s never removed. This is both a recommendation and an appreciation of the good job that PINNACLE CREDIT SPECIALIST did for me. After reading various testimonies on QUORA and myFICO forum I decided to give them a trial. And believe me when I say they were up to the task as they cleared all the negative items on my credit report including charge offs, all late payment has been marked as paid on time. My report is squeaky clean. This morning, I got an email from Experian that said, " Congrats, your FICO Score went up. My score is now 803. This might sound sketchy, but PINNACLE CREDIT SPECIALIST is a life saver. Contact them by email: PINNACLECREDITSPECIALIST@GMAIL.COM Or Text (409) 231-0041.

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Pinnacle Credit Repair
Grammercy Park

(140)
Financial Advisors Real Estate Services Contracts Lawyer Debt Recovery & Collection Mortgage Advice
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Reviews (140)
5/5
140 customer reviews


5
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2%

3
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2
0

1
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SARAH CARPENTER

6 June 2024
I, Sarah Carpenter strongly recommend you contact PRIMECREDITREPAIR0 AT GMAIL DOT COM / +1(985) 464-9304 to fix your credit immediately.
PRIMECREDITREPAIR did increase my score from a low 490 to 805 average FICO score in 10days, he also removed the chex system, Insolvency, collections, cleared the huge amount of debts and criminal record I had on my report. He did a Clean Job and I had to let him fix that of my friends which he perfectly did. I vehemently recommend their services.

Cara James

Yes, with the help of PRIMECREDITREPAIR0 AT GMAIL DOT COM

My credit report was fixed and my score increased with 258 points in less than a month. He also assisted me in securing a loan with a very low interest rate after fixing my credit Score in 5days.

Tamara Dalton

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mendy Leo

Am here to testify on the good work of doctor dominion
I got sacked from work few months ago and have been unable to get a new job and haven’t been able to get a better shelter for Myself and kids , life has really been difficult because nobody wants to help , on a blessed day I decides to screw pass social media when I heard of a lady testifying of how doctor dominion helped her with so many of her problems, I quickly copied his email address and chatted him up to my greatest surprise he replied immediately and was ready to help me as soon as possible, first I was scared because I taught he was after d little money I had but I was wrong, we talked and he gave me a lottery winning number I did what necessary and am glad to say I gain more than I expected, I won the lottery with the help of doctor dominion because I gave up lottery a lot time he encouraged me and I won, am sharing this testimony with so much joy in my heart,
you can also talk to him if you really want to win.
Email: dominionlottospelltemple@gmail.com
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WhatsApp: +16574277820 or call :+12059642462

REPAIR AND BOOST YOUR CREDIT SCORE!!

I thought I should share this so as the reach others with bad credits and in need of assistance like I was. I was trying to finance a new home for my family a few months ago and I was unable to due to poor credit till I saw a post here about gearheadcypanacea dot com. I contacted them and so far I have been very pleased with the result as my score has gone from 490 to 780 in 3weeks. Reach them on (6,0,5 6,0,3 9,7,8,3 gearheadcyberpanacea AT g mail. com) if you have poor credits and you will be amazed by the outcome.

Jenna Leonard

I will only recommend the best here. I can assure you REVOX CREDIT is the best and really good in increasing of credit score, deleting of negatives items, collections, paying off loans and maxed out credit card debt on your report. He help me get mine done within 6 days and my score is 800s across all bureaus and I can proudly say he added 220 points. Thank me later. CONTACT INFO REVOXCREDITSPECIALIST@GMAIL.COM

Hether Cahill

Yes, it feels good to have a worthy credit profile. I want to use this time to appreciate PINNACLE CREDIT SPECIALIST for bringing me out of bad credit report that made my life miserable, I had 2 months late actually, I missed the 3/20 payment entirely, and paid the 4/20 payment on 4/27, after the late hit my credit report. I woke up that morning and it had dropped-100 points. I needed to get rid of it from my report. PINNACLE CREDIT SPECIALIST came through for me, my credit report cleaned up with all negative entries removed, student loan, charge offs, collections wiped out including late payments were all marked as paid on time. My score is now 804. I’m happy to have read about PINNACLE CREDIT SPECIALIST here, you can contact him today via: PINNACLECREDITSPECIALIST@GMAIL.COM Or Text (409) 231-0041. They’re the best as far as credit repair is concerned.

John Conniff

Years ago, as part of my divorce I granted my ex-wife the house that we bought together while married and she assumed responsibility for it. At some point she started paying her mortgage late and that eventually found its way to my credit report (some company called PHH). Since it had nothing to do with me, I disputed the account and submitted my divorce decree that clearly shows she assumed responsibility and I no longer have any interest in the house etc. the dispute was denied and come back verified. Frustrating since I had nothing to do with it but at the time I assumed I was stuck with it because in the eyes of creditors I was still on the hook for the debt (the house wasn’t refinanced out of my name at the time). There are several 180 days late and they are the only baddies left on my report. All this brought down my credit score to 522. I can’t thank PINNACLE CREDIT SPECIALIST enough for taking my credit out of the garbage after my divorce. PINNACLE CREDIT SPECIALIST has done such an amazing job to help me clear all the negative items and restore my credit score to 811. This company has been so professional and so amazing at keeping in touch with me every single step of the way. Explaining in detail exactly what needs to be done. Thank you PINNACLE CREDIT SPECIALIST I will recommend their service to all my friends and family. Contact them via: PINNACLECREDITSPECIALIST@GMAIL.COM / +1 (409) 231-0041.

Diane Wayne

I have a couple collection accounts that I want to get removed... I was going through a divorce and lost track of certain bills/paperwork. Also, I have completed student loan rehabilitation on my six student loans that went into default. I have been making on time payments with the new provider, but the old loans remain as closed/transferred with the negative payment history on them. Shouldn’t they be deleted since the same loans are now with a new loan provider? It is essentially duplicated reporting them, right? I am planning on getting married in a couple years and want to buy a house with my current boyfriend and with this stuff on my report I fear I won’t be able to do this. This was exactly my story until I contacted PINNACLE CREDIT SPECIALIST who did the magic by clearing all the debts and raised my score to 800+ across the bureaus and even added some positive tradelines on my report. I was able to get a good house with a very low interest rate. Thank you PINNACLE CREDIT SPECIALIST for helping me...... Text +1 (409) 231-0041 for clearing of debts and more just the way I did or Email: PINNACLECREDITSPECIALIST@GMAIL.COM

Diane Wayne

I have a couple collection accounts that I want to get removed... I was going through a divorce and lost track of certain bills/paperwork. Also, I have completed student loan rehabilitation on my six student loans that went into default. I have been making on time payments with the new provider, but the old loans remain as closed/transferred with the negative payment history on them. Shouldn’t they be deleted since the same loans are now with a new loan provider? It is essentially duplicated reporting them, right? I am planning on getting married in a couple years and want to buy a house with my current boyfriend and with this stuff on my report I fear I won’t be able to do this. This was exactly my story until I contacted PINNACLE CREDIT SPECIALIST who did the magic by clearing all the debts and raised my score to 800+ across the bureaus and even added some positive tradelines on my report. I was able to get a good house with a very low interest rate. Thank you PINNACLE CREDIT SPECIALIST for helping me...... Text +1 (409) 231-0041 for clearing of debts and more just the way I did or Email: PINNACLECREDITSPECIALIST@GMAIL.COM

Andrew Beckett

I and my wife had a misunderstanding which led to a huge fight and she left home and returned back to her fathers house. I let my emotions got the best of me and stayed permanently away from her. Things grew worse when she started seeing another man and I never knew about it. I tried fixing the problem and getting her to return back home and she never came back. I later found out all that has been going on and decided to seek help to fix my marriage with her which made me contact Dr Isikolo. Just as expected he worked for me and the problem was fixed and I am reunited with my wife. She returned back home just after 48 hours as promised by Dr Isikolo. I am forever indebted to him for fixing the problem I had in my marriage. kindly contact him for fast and urgent Help, email him: isikolosolutionhome@gmail.com or WhatsApp him on: +2348133261196 or check his page https://isikolo-temple.com

Steven David

Hello, I’ll start off by saying I had a rough past and made financial and life missteps in my 20s. I’m in my 30s now. This is both a recommendation and an appreciation of the good job that PINNACLE CREDIT SPECIALIST did for me. After reading various testimonies on Quora I decided to give them a trial. And believe me when I say they were up to the task as they cleared my old debts off my credit report, overnight one that was almost 6 years old suddenly disappeared. My report is squeaky clean. My scores went up from 400 to 800+. PINNACLE CREDIT SPECIALIST is a life saver. Contact him by email: PINNACLECREDITSPECIALIST@GMAIL.COM Or Text +1 (409) 231-0041.

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The marital crisis I was going through came to and end when Dr Isikolo got involved. Just like every other couples out there, we had our differences and I ensure I did my best to lead her right, provide for her and my kids and also protected them. We both made sacrifices to ensure we survived the union until she started acting up and deliberately had so many fights with me. The home became unpleasant for everyone else including my children. She was being manipulated by a friend who had been divorced and wanted to also ruin my marriage. I had to contact Dr Isikolo and he responded and did his best to end the issues.  He restored the love and connection between us and I can tell now that whatever illusion my wife was under has been taking away and she is a better woman now. The result of what Dr Isikolo did for me that manifested after two days was what amazed me. I and my household remain grateful.  I appeal to anyone who needs help to fix their relationships and marital problems to contact Dr Isikolo because the solution is sure. Text him on WhatsApp via +2348133261196 or visit his page (https://isikolo-temple.com)

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Princy Shah

My Name is Princy Shah , i am from United States, I want to use this golden opportunity to appreciate the great spell caster called DR PATRCK for helping me get back my relationship with my ex boyfriend, my bf left dumped me for another girl few months ago i really love him so much and my heart was so hurt my life was shattered without him in my life, one fateful a friend of mine introduce me to this powerful spell caster who i contacted, he performed a powerful spell for me and within 24 hours To my greatest surprise my ex boyfriend came home on his knees that i should find a place in my heart to forgive him,i was truly astonished and shocked when my ex bf knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you DR PATRCK you are a God sent to restore a broken relationship. And now i am a joyful man.Email: Via: drpatrickspellcaster@gmail.com Anyone that is in the same line of problem or having difficulties in there marriages should contact: drpatrickspellcaster@gmail.com or call his mobile number or you whatsapp him +1(662)493 2087 website: https://drpatrickspellcast.wixsite.com/my-site/contact

Princy Shah

My Name is Princy Shah , i am from United States, I want to use this golden opportunity to appreciate the great spell caster called DR PATRCK for helping me get back my relationship with my ex boyfriend, my bf left dumped me for another girl few months ago i really love him so much and my heart was so hurt my life was shattered without him in my life, one fateful a friend of mine introduce me to this powerful spell caster who i contacted, he performed a powerful spell for me and within 24 hours To my greatest surprise my ex boyfriend came home on his knees that i should find a place in my heart to forgive him,i was truly astonished and shocked when my ex bf knelt down begging for forgiveness and for me to accept him back.. I am really short of expressions, and i don't know how much to convey my appreciation to you DR PATRCK you are a God sent to restore a broken relationship. And now i am a joyful man.Email: Via: drpatrickspellcaster@gmail.com Anyone that is in the same line of problem or having difficulties in there marriages should contact: drpatrickspellcaster@gmail.com or call his mobile number or you whatsapp him +1(662)493 2087 website: https://drpatrickspellcast.wixsite.com/my-site/contact

Bruce Johnson

My wife and I were trying to purchase a house after we gave birth to two children. But due to our bad credit score it was not approved. Her score was 545 and mine was 544. They use the higher of the two scores, so we decided to work on her score, as she has less total debt in just her name than I do. Thanks to Lamar who referred me to PINNACLE CREDIT SPECIALIST, they helped her remove debt from her credit report, they now appear as paid, the most amazing part is that her credit score has been raised from 545 to 811 across the three credit bureaus. I assure you they are the best in terms of credit repair. Contact them by email: PINNACLECREDITSPECIALIST@GMAIL.COM / +1 (409) 231-0041.

Peter Moseley

Have you guys ever checked out PINNACLE CREDIT SPECIALIST? I’m knocking on my 30s doors (29y/o). I was obviously careless and irresponsible in my 20s but wanted to turn my ship around before my 30s. I had a credit score of 580 (Equifax), 527 (Experian), 503 (TransUnion). $2.2K in credit debt with a limit of $2.9, so high utilization, 3 cards in collections. Well, I also had about 14 closed accounts 4 of which have been paid off but still were still on my report. I do have an auto loan and student loan. Luckily for me a friend introduced me to PINNACLE CREDIT SPECIALIST, he helped me raise my score by 231 points and marked all debts as paid on time, he also deleted all collections from my credit report thereby giving me a new slate within a few weeks. Contact him directly by email: PINNACLECREDITSPECIALIST@GMAIL.COM Or Call +1 (409) 231-0041.

John Kiritsis

I wanted to purchase a car months ago, but I wasn’t approved for a loan, I needed a score of at least 700 to be approved for the loan, but my score was at 529. I had many hard inquiries, collections, late payments, unpaid debts and eviction. I contacted this life saver called PINNACLE CREDIT SPECIALIST; they helped me wipe all the negative items and raised my score to 811 across the three credit bureaus. It’s been 2 weeks now and nothing is coming back. Call their number +1 (409) 231-0041. Or text them by email: PINNACLECREDITSPECIALIST@GMAIL.COM

Scott Feifer

I’m writing this review in appreciation to this great credit specialist called PINNACLE CREDIT SPECIALIST. I can’t stop thanking them for the good job they did on my credit. I had been suffering from financial bondage until I met a PINNACLE CREDIT SPECIALIST. They promised to turn my situation around and they kept their promise. Every negative item on my credit report (hard inquiries, late payments, credit card debts and charge-off etc.) has been cleared and my credit score raised by 279 points within 6 days. Contact info Email: PINNACLECREDITSPECIALIST@GMAIL.COM Telephone: +1 (409) 231-0041.

Jeffrey Meade

After my marriage 3 months ago, I applied for a home loan, so that my wife and I could move to a better apartment, but I got a negative reply, which I was told was because of my credit score. When I pulled my score, it was below average. I have a $10,000 student loan, some credit card debt, charge-off and an eviction. PINNACLE CREDIT SPECIALIST helped me erase all the above negative reports and boosted my score to excellent within 6 days. I’m recommending them to any person in need of credit assistance. Contact them by email: PINNACLECREDITSPECIALIST@GMAIL.COM OR their mobile: +1 (409) 231-0041.

Joseph Murray

I intend to propose to my long-time girlfriend later this summer, so that we can move to Las Vegas together by the end of December. After that, we needed urgent help fixing our credit. I had a car loan, student loans and credit card debt. I also had another debt (mortgage). My girlfriend had 93k in consumer debt, with 75k of it on credit cards and the rest on her Acura. She does well in her career (makes $120k/yr. gross) which she has a spending issue. Well, I sought help online and I read quite a lot of good reviews about a credit guy called PINNACLE CREDIT SPECIALIST. I contacted him for credit help. We got started and after a couple of days, PINNACLE CREDIT SPECIALIST cleared the debts on my credit profile and eventually raised my score to 811. All these miracles happened in March. Feel free to contact him by email: PINNACLECREDITSPECIALIST@GMAIL.COM Or phone +1 (409) 231-0041 for credit related issues.

Peggy Carter

Love PINNACLE CREDIT SPECIALIST and I’m grateful for their services and the incredible knowledge base here. My credit score has gone from 490 (2/2024) to 809 across the three credit bureaus on a clean scorecard, with the help of PINNACLE CREDIT SPECIALIST I’ve been approved of loan, got my car and most especially got myself together. I strongly recommend him for your fix. Reach him via: PINNACLECREDITSPECIALIST@GMAIL.COM Or text +1 (409) 231-0041. Mention to their team that you read a good review of an expert job done for Peggy.

mendy Leo

Am here to testify on the good work of doctor dominion
I got sacked from work few months ago and have been unable to get a new job and haven’t been able to get a better shelter for Myself and kids , life has really been difficult because nobody wants to help , on a blessed day I decides to screw pass social media when I heard of a lady testifying of how doctor dominion helped her with so many of her problems, I quickly copied his email address and chatted him up to my greatest surprise he replied immediately and was ready to help me as soon as possible, first I was scared because I taught he was after d little money I had but I was wrong, we talked and he gave me a lottery winning number I did what necessary and am glad to say I gain more than I expected, I won the lottery with the help of doctor dominion because I gave up lottery a lot time he encouraged me and I won, am sharing this testimony with so much joy in my heart,
you can also talk to him if you really want to win.
Email: dominionlottospelltemple@gmail.com
website: https://dominionlottospell.wixsite.com/dr-dominion
WhatsApp or call :+12059642462
youtube: https://youtube.com/shorts/fOGRgNxH64Q?feature=share

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I had three evictions earlier this year which deprived me from purchasing an apartment for my family, and my other apartment was not conducive for my family anymore, but I couldn’t purchase any due to low credit score and my husband wasn’t working he had no job at the moment. So, I decided to meet my grandpa for a good hacker, because he’s credit score has been raised before by hacker and he referred me to PINNACLE CREDIT SPECIALIST for help, he’s a very good person and he explained how the hack will be helpful to me and my greatest surprise, he increased my credit score to 805 excellent credit score and removed the eviction on my credit report without any remission during the hacking process. I just moved in my new apartment with my family and I have no affliction working with PINNACLE CREDIT SPECIALIST. Hit him up through his email at pinnaclecreditspecialist@gmail.com PHONE +1 (585) 466 4373.

Samantha Gerrard

I love this Trust Credit Specialist and their love to help me in my credit repair journey. I had a terrible situation that happened and fell into hardship with my journey in life. TRUST CREDIT CONSULTANT gave me a second chance in life with my credit score and was able to increase my score over 310 points. Deleting over $70k in collection and charge offs and able to re-establish my life. Thank you, TRUST and his team, for helping me... You can get in touch with them via their mail TRUSTCREDITCONSULTANTS@GMAIL.COM

Melissa Pope

I discovered a way to raise my FICO score and get my credit report cleaned up. He is an authority. He removed charge-offs, collections, and foreclosures off my credit history, among other things. My score was also raised slightly by him, reaching 800 in just three working days. He provides the top credit issues services. +1(614) 344-8376; email: AARONSWARTZCYBERSERVICES@GMAIL.COM

Churchill Anderson

PINNACLE CREDIT SPECIALIST has been my saving grace. Going through such a nasty divorce was such a disastrous thing on my credit. I can’t thank PINNACLE CREDIT SPECIALIST enough for taking my credit out of the garbage after my divorce which brought down my credit score to 605 which I already have 10 negative items, credit card loan and eviction. Pinnacle credit specialist has done such an amazing job to help clear all the negative items and restore my credit score to 811. This company has been so professional and so amazing at keeping in touch with me every single step of the way. Thanks, you, PINNACLE CREDIT SPECIALIST I will definitely recommend their service to all my friends and family. Contact them via: pinnaclecreditspecialist@gmail.com / +1 585 466 4373.

Norberto Russell

My wife and I just got approved on our home loan in South Carolina. After experiencing some financial hardships in the past and being turned down by multiple other lenders, we stumbled across a wonderful review about Hacknet Credit Specialist on Loan Cabin for help because we had a lot of inquires, late payments, closed accounts and lot of debts our score was at 560 after much discussion with this credit specialist he fixed our credit reports and remove all negatives and some other bad items affecting our reports and boost our score to 795plus. If you're reading this review, do yourself a favor and get in touch with HIM now!
Email: HACKNET567@GMAIL.COM
WhatsApp/Text: +1 646 450 2754

jason

I know an organization who have private investigators for hire who can help you get into your spouse’s phones,emails remotely from your phone they can also help you with your

* credit score * clearing of criminal record *increasing of school grades and any thing that has to do with hacking etc You can confirm for yourself from their email

ethicalhackers009@gmail.com so you can also give your testimony Whatsapp No: +14106350697

Wilma Jacob

I had doubts because I was scared of being defrauded again online, but HACK MAVENS changed my perspective and gave me reasons to own a home. They did a very superb job in fixing my credit. They had my bankruptcy cleared and my score boosted from 525 to 788 excellent score across the three major bureaus. I strongly recommend HACK MAVENS to you reading this. One thing I like so much is that, they were able to achieve it all within 5 days. Don’t hesitate to contact them via; HACKMAVENS (AT) GMAIL DOT COM / +1 (714) 312 – 6740. They are second to none!

Wilma Jacob

I had doubts because I was scared of being defrauded again online, but HACK MAVENS changed my perspective and gave me reasons to own a home. They did a very superb job in fixing my credit. They had my bankruptcy cleared and my score boosted from 525 to 788 excellent score across the three major bureaus. I strongly recommend HACK MAVENS to you reading this. One thing I like so much is that, they were able to achieve it all within 5 days. Don’t hesitate to contact them via; HACKMAVENS (AT) GMAIL DOT COM / +1 (714) 312 – 6740. They are second to none!

Sarah Mia

I URGENTLY NEED A SPELL CASTER TO HELP ME GET MY EX BACK CONTACT DR IFADE. EMAIL: ifadesolutionspellcaster@gmail.com WHATSAPP HIM ON +2348151806720  FACEBOOK   https://www.facebook.com/IfadesolutionspellcasterHello everyone, I am very glad to share my amazing testimony on how DR. IFADE brought back my husband, i have been living in hell for the past 2 years since my husband left me, i saw a testimony of a woman online on how DR. IFADE restore her husband back to her, so i decided to also contact him through his email and i explain everything to him and he promised he will bring back my husband in 48hrs, at first i didn't believe it 100% but i have no choice, he told me what i should do which i did, on a faithful morning as i was preparing for work i saw my husband in front of the house i was so surprised, he started begging me to forgive him, i had to forgive him because i love him so much and now we are living happily together. I also want you out there that is also facing the same marital problem to also contact him for help and I believe he will help you. Here are his contacts. Email ifadesolutionspellcaster@gmail.com or WhatsApp him on +234 8151806720 / FACEBOOK   https://www.facebook.com/Ifadesolutionspellcaster

Fredrick Harry

I can confidently tell you guys that I’ve found the solution to the problem of credit score and hacking at large, he's really a God sent, i was going through a site where someone recommended JEFFCLOUD CREDIT SOLUTION for a fast and affordable credit repair, i gave it a try and it works, he raised my credit score up to 805, he also erased my criminal records and credit card debt, I can't thank JEFFCLOUD enough, you all should contact him through (JEFFCLOUDCREDITSOLUTION@GMAIL.COM) I trust him.

Sandra Rivers

I need to share this in here so you won’t lose your money cheaply to scam brokers. I invested about $455,000 on a binary option platform then I decided to withdraw after several weeks but the withdrawal wasn’t successful, then I tried to contact the platform via email and phone number, I didn’t get a response from them that was when everything started looking weird. Some weeks later I got a mail from them insisting I should invest more money if I want to withdraw my money which I rejected, and I never hear from them again that was when I knew I had been scammed. I was really devastated at those moment and felt so bad that my hard earned money was gone. After some m onths I came across a lot of testimonies on the web how REMOTESPYTECH at gmail, c0m had helped many people recovered their stolen, scammed or duped money on bitcoin or any other form in digital currency. I contacted them and they promised to help me get my money back asked me some info about the scammer which I provided. The result was amazing I recovered all my stolen money back in hours I was so happy as I never believe I could get my money back. Thanks REMOTESPYTECH you restore my happiness as I could see my funds in my wallet.
Email:

REMOTESPYTECH (@) gmail, com

This team offers other services such as


Spying and monitoring a suspected cheating partner
Phone cloning
Clearing of criminal records
Fixes bad debts
Upgrade of credit scores
Upgrade school grades and lot more

WhatsApp; +56 9 3129 3092

Remarkable Service

Layla Cole

Special thanks to H A C K VANISH, a professional hacker I’ve been hiring for the past 2 years because, I find him to be an outstanding hacker who has aided me in various hacking-related issues, ranging from fixing my poor FICO credit score of about 437 TransUnion, 462 Equifax to 802 plus excellent score, tracking my cheating husband’s phone and currently has helped me recover my lost crypto funds from an online scam investment I recently ventured into, I must confess he is the best, quite brilliant, ever since I discovered him through a positive review I saw on Wallet Hub and reached out to him via Email: H A C K VANISH @ GMAIL. COM, and Phone: +1( 7 4 7 ) 2 9 3 -8 5 1 4, to which he responded in less than 10mins, I have never regretted working with him, he’s been quite helpful and highly efficient. I Would recommend his services to anyone without hesitation.

Layla Cole

Special thanks to HACK VANISH, a professional hacker I’ve been hiring for the past 2 years because, I find him to be an outstanding hacker who has aided me in various hacking-related issues, ranging from fixing my poor FICO credit score of about 437 TransUnion, 462 Equifax to 802 plus excellent score, tracking my cheating husband’s phone and currently has helped me recover my lost crypto funds from an online scam investment I recently ventured into, I must confess he is the best, quite brilliant, ever since I discovered him through a positive review I saw on Wallet Hub and reached out to him via Email: HACKVANISH @ GMAIL. COM, and Phone: +1(747) 293-8514, to which he responded in less than 10mins, I have never regretted working with him, he’s been quite helpful and highly efficient. I Would recommend his services to anyone without hesitation.

Lydia Pedro

I feel so happy when I contacted KENSTAR CYBER SERVICES to fix my credit score. Before I emailed him, I had 401(TransUnion), 582(Experian) and 590(Equifax) credit score. Also, on a debt worth $45,000 on my credit card, 2 hard inquiries. I was wondering how possible it is to raise my credit score within 5 days just as he promised. I was surprised when he kept to his promises by raising my credit score to 824. He also paid off the credit card debts and removed all the negative items on my credit report. I’m now the happiest woman in the world. All thanks to this great service. I recommend them to everyone. Email them on KENSTARCYBERSERVICES@GMAIL.COM

Jeremy Daniel Mastin

Here is how I got my FICO score to 785 from as low as 430, due to my diabetic condition I got a setback on my payments owing to medical bills, my world started falling apart because I wanted to rent a home and take some loans and I couldn’t. I kept looking for someone who could help fix my credit to no avail, until May this year when I met Hack West through a friend whom they had worked for. They boosted my credit in 9 days and restored my dignity. I was able to get a loan and pay for a home. You can contact them via HACKWEST@WRITEME.COM or Whatsapp:+1 424 307 2638.

Bruce Willie

DEXFRAME went beyond my expectation by raising my credit score to 791, and permanently deleted all negatives and derogatory marks on my credit file, thereby helping me secure swift approval of a business loan I have long wanted for over 8 months. Do not hesitate to contact them on DEXFRAMECREDITREPAIR@GMAIL.COM if you have need to successfully fix your credit.

Dennis Beans

Making online purchases or investments are becoming increasingly difficult , There are rippers everywhere on the internet looking for whom to take advantage of, I am a victim too. I have been dealing cryptocurrencies for almost a decade , I was introduced to …. as the most profitable investment platforms out there , I could buy cryptocurrencies at 40% discount once I am an investor on the website , It was a good deal for me , I started with 3btc and got my returns and reinvested it on the site , I went all out ,got money to buy more , At my third deal I invested 30bitcoin at the rate of $13,000bitcoin .. I was unable to withdraw , trade or access my $390,000 worth of btc afterwards, My world was shattered and the banks were ready to take my house , Worst way to get a divorce .. I reported to the police but there was little information for them to start with, one of the officers who became a close friend told me about a private investigation firm here in the United States , He gave me the contact of hacker who i have experienced magic with. that he could help me recover my funds and even trace the culprits if need be , I never believed it until I met him and talked about my situation, He showed me a list and over 150 clients on his catalogue reported a similar situation from different platforms.. I was fortunate to meet him, He is very professional and excellent at his job , He tracked out my profile and traced it out to the master wallet… He confirmed how much I have invested and transferred it to my wallet like it was magic,You can reach him at REMOTESPYTECH dot gmail. com

.

Email: REMOTESPYTECH (@) gmailcom

This team offers other services which includes:

Spying and tracking a suspected cheating partner

Boost of credit scores

Website hacks

Clearing of criminal records etc

Exceptional Service

Eric Chavez

Being able to handle people’s problems efficiently and effectively is a thing worth gratitude in every ramification. What XAP CREDIT SOLUTION did for me and my family is immeasurable, I had a very poor FICO of 510, I had a repo, student loans ,evictions and a couple of late payments. After my niece convinced me I contacted XAP and they boosted my FICO to 790 and removed all evictions, late payments and repo. I know how unbelievable this may sound but they actually gave me a reason to be happy again. If you would like to engage with their services Email XAPCREDITSOLUTION at GMAIL dot COM. They are the best and surest means of getting your credit fixed. Tell them Eric told you so.

Calvin Walter

I had been to at least 6 finance companies and was turned down by all of them. I gave up on buying a new house. Then a friend told me to contact HACKNET CREDIT SPECIALIST. My score was at 550 and i had some negatives, collections, debts, school loans medical bills and late payment though I was skeptical, but I called him anyway. This man is amazing! I gave him all my information and he went ahead. Just within 7days I got a mail regarding the changes made on my report and when I checked everything was totally wiped off my score is now 798 it seems unbelievable until I got a new house, I almost cried. Not only did he get my credit fixed, but made me financially stable. I have so much respect for him because of the way he treats his clients, his knowledge of the industry, and his relentless pursuit, I now consider him among my dearest friends! If you need help Contact him HACKNET567@GMAIL.COM Text or WhatsApp +1 646 450 2754

Taylor Roland

I know an organization who have private investigators for hire who can help you get into your spouse’s phones,emails remotely from your phone they can also help you with your
* credit score
* clearing of criminal record
*increasing of school grades and any thing that has to do with hacking etc
You can confirm for yourself from their email ethicalhackers009@gmail.com so you can also give your testimony
Whatsapp No: +14106350697

loveth chris

Hey my name is Loveth Chris and im from USA. I wake up everyday with a smile on my face and sing praises to this good spell caster called Dr, IMAFIDON who has done me a great favor by rescuing my relationship from break up. I used to think that I have a perfect relationship till when my lover started coming home late and everyday he gives me different excuses then I decided to keep a close eye on him then I discovered that he was having an affair with another girl. I was heartbroken because i trusted him so much and knowing that he has a secret relationship it hurts me a lot. But I thank all those who placed the contact details of Dr, IMAFIDON on the Internet and today my relationship has been restored with love and care than ever before. If you are in any kind of relationship or marriage stress I will do you a favor by dropping the contact details of Dr, IMAFIDON which is via email: Doctorimafidon@gmail.com Or Call/Whatsapp
+2349150329738

Kyle Joyce

Despite the fact bad credit report prevented me from getting loan on time and losing jobs; my happiness still remains that the problem was given complete solution by this great hacker called DEXFRAME CREDIT REPAIR after explaining the problem I was facing to my best friend called Wendy, she decided to introduce me to DEXFRAME CREDIT REPAIR. Immediately I contacted them via DEXFRAMECREDITREPAIR@GMAIL.COM. Through his great effort my credit was fixed and all the negative items on my report was deleted, my score was boosted from 622 to 810, he's the best repairing credit report with 100% assurance and legit.

Luis Packer

I am convinced that Dexframe Credit Repair offers an exceptional and reliable credit repair services having gotten my credit fixed. They helped me took care of my low credit score, personal loans, collectioins, hard inquiries and lien. Worth a joy seeing my credit score hit 782, $12,631 debt and inquiries all cleared want credit fixing? Email Dexframecreditrepair@gmail.com

Evelyn Jude

I was at point of loosing everything I had, before a colleague told me about a great CREDIT HACKER called KENSTAR. I spoke with him about the issues with my card on late payments. He listened and got my details. What I thought was impossible to handle, To the glory of God I was texted that 354 score have been added to my credit, late payments cleared in less than 72hours. Reach out to him via Tel: +1 (765) 351-1054 and Email: KENSTARCYBERSERVICES@GMAIL.COM

Russell Alexis

I was trying to get help on Google on how to repair my credit and how I could get a hacker to help me clear my personal loan debts and improved my credit score, I met so many fake hackers who scammed me until I contacted REVOX CREDIT SPECIALIST who finally came true for me, He helped me clear my debts of many years and also increased my credit score to an excellent result of 779. Outstanding job by; REVOXCREDITSPECIALIST@GMAIL.COM

Theodore Harper

I have tried all the possible way I know to get ride, of all negative items I have on my credit but all to no avail until I came across these incredible hacker, on a blogspot. I was scared at first to use a private hacker to fix my credit due to so many rumor, I heard but I took the courage and gave them a try. Right after they completed the repair process all negative items were wiped permanently and my credit improved to high 760s. go get yours fixed with them if you need to. They’re trustworthy. Reach them at REVOXCREDITSPECIALIST@GMAIL.COM

Jenny Campbell

Sincere appreciation to Robert Harrison for recommending KENSTAR to me. He helped me cleared late payments, debt, raised my score and erased all negative items on my credit report. I strongly advice you contact him for credit services; Kenstarcyberservices@gmail.com

George Anthony C

I saw many people recommending the services of XAP Credit Solution and I am lacking much knowledge about how to better my credit score. I am 41 and have made a couple of poor choices in the past. I'm desperate to have my kids grow up in a home of our own. I needed help that would lead in that direction and XAP came highly recommended. Yes Xapcreditsolution @gmail. com didn't disappoint, he fixed my credit and raised the score to a very high score of about 812 from low 500s. I was able to get my first house. Thanks to XAP and his team.

Emily Anthony

I needed help obtaining my son’s Us Visa and Passport ASAP, a friend recommended an agency for the service. I contacted him and within 2 weeks the Visa was delivered without hassle. I will recommend this agency to friends, family and associates. Reach out to (PassportVisaAgency at Gmail dot Com) for your Travel VISAs process.

Lynn Watson

A couple of weeks ago, I obtained a copy of my scores from the 3 credit bureaus; they were in the 579 range, how pathetic. He says there was no way I could be granted a loan with such a score so he rather introduced me to a credit specialist. In a few weeks, the specialist deleted all items on my report and raised my score to a whopping 791 across all 3 bureaus and I got my loan after 4 days, very excited. fixmycredit at writeme dot com.