From FTC.com:
Your Rights Regarding Credit Repair
"No one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Some people hire a company to investigate on their behalf, but anything a credit repair clinic can do legally, you can do for yourself at little or no cost."
Fix your own bad credit yourself. Find how to do it at
www.findhow2.com/repair-credit.html
Favorite "credit repair" books available from Amazon.com:
BestCredit: How to Win the Credit Game, 2nd Edition
Credit Repair
Credit Repair Kit For Dummies (For Dummies (Business & Personal Finance))
The Insider's Guide to Credit Repair
"Bad Things Happen to Good People." "Your Credit = Your Life, Fix It Now!" The Complete Self-Help-Kit for Credit Repair and Money Management. The Insider's Solutions to all your Credit-Problems. w/CD.
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