Answer: -People will tell you that it is not possible. But the fact is it can be done. I am willing to help you but will need more info. I have been doing this for free for a few years. Contact me at FicoFun@yahoo.com.I can give you the proper forms needed and tips for fast repair. You will have to follow through with the tips and info. You can do everything a credit repair company can do but you need to know how and you need to know a few tricks.I am not selling anything just being helpful. -There are no "loopholes" or laws that credit repair companies can use to get correct information off your credit report.No credit repair company can do anything you can't do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy.The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time. -Since per the government review of the situation, some 85% percent of everything listed on credit reports contained errors and since anything in error has to be removed or corrected.I think this agency below can help you.Yes, you could do it yourself but as with many things, advice from an expert is usually helpful.