Answer: -You can remove *inaccurate* information from your credit report. From your post it sounds like the negative items are accurate, so they wouldn't be taken off unless the credit card companies failed to respond. Linking to a website that has a free ebook on credit repair; suggest you read it. -Yes, these type of companies can indeed help repair your credit. Just be cautious of the one you choose. Personally, I would NOT pay the entire fee up front....Make a reasonable pmt upfront, and monthly pmts as your credit report is being worked on. I am in the real estate business and have also been in the mortgage lending business with Wells Fargo....If you would like a good suggestion of a reputable company please email me, I'll be glad to share what I know! -I wouldn't pay anyone a flat fee for repairing credit. Once they have their money what is their incentive for staying on the job until it is finished? I also wouldn't pay a company a monthly fee. What is their incentive to EVER finish the job. The trick is finding a credit repair company that is reputable - and there are a lot out there. But I wouldn't pay anyone a flat fee or choose a credit repair company that sends out dispute letters on my behalf. The CRA's, by law, do not have to even OPEN letters from a third party. You can email me and I can point you in the right direction if you wish.