Everything you described is DEFINITELY POSSIBLE!
Do your homework, starting with this site, and hold the bureaus and the creditors and collection agencies to the standards of accuracy, completeness, and verifiability! _________________ -Doc Compton, Omega Credit Repair
I provide info for free, & all I ask is that you visit my site...
You can also get tons of information here!
If you want to delete negative items from your credit report, you can directly dispute with the credit bureaus. You should send a Dispute Letter through certified mail with a return receipt requested. You will find a sample Dispute Letter in the Letters of Credit section. You can enclose a copy of the credit report, with the disputed items encircled. The credit bureaus will verify within 15 days. You are also entitled to get a free copy of your credit report after it has been corrected and updated.
Removing negative items will help to improve your score. Here are 5 other tips you can follow to increase your credit score:
1) Try to remain current on all your credit card accounts by making timely payment.
2) Keep your credit card utilization rate below the 50% mark.
3) Get a secured credit card, and make timely payments for it.
4) You can request a relative or friend to add you as an authorized user to one of their old credit card accounts. This will increase the length of your credit history.
5) Paying off an installment loan before the due date will give a boost to your score. _________________ Looking forward to a debt-free life.
Your personal details (name, email address and phone number) will be delivered to the company advertised on the Creditmagic after ve agreed to go for the counseling session by filling out the no-obligation form. However, it is your discretion to accept or reject their services.
Not all the creditors/debt collectors agree to trim down the outstanding balances, interests, and fees payable by the consumer.
Consumers working with the debt relief companies can still be sued by the creditors/collection agencies.
Debt relief services may have a diminishing effect on the creditworthiness of the consumer. The total outstanding balance may increase as the additional fees get accrued.
The overall amount saved by the consumer through the debt relief services is considered as taxable income by the IRS.