I know exactly what you are talking about. I have several close friends who have gone through the process, and it workded for them. One lady couldn't get a bad hair do on credit; however, now she lives in a very nice home in Indian Hills ( a very very very nice area in my city). I have another friend who said that the process has taken a bit longer than expected, but every month she has seen progress. However, my cousin and her husband are doing it themselves, and they have seen results. There is this booklet that the "REP" will give you that explains everything. I am going to get my book from my friend and will get back with you about the particulars. I remember reading the booklet and it made mention of laws that prohibit certain negative things to be put on your credit report. It said that most people of ignorant of the fact; therefore, the reports go unchallanged. Did you know that if you challenge any discrepencies on your credit report that after 30 days if there is no response the descripencies must be removed?
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You are the master of your own destiny!
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