I am new to these forums, but I wanted to post some information that really helped me a while back. Like most people today, I was up to my eyeballs in debt and ran across this ebook about credit repair. It required some effort on my part, but the information pointed me in the right direction and saved me from wasting alot of time on useless phone calls.
It has been just over a year now and I am just about debt free and watching my credit score slowly move up. You have to be patient with your credit score. But if you do the right things, and apply a few basic principals, you will achieve your credit goals.
Hope this information helps you guys....
Good Luck! :)