Answer: -Might I suggest this....Before listening to these people sending out spam answers trying to sell their services...and before wasting money on books about credit repair, look around the internet.There is a tremendous amount of info out there showing you how to fix your credit, negotiate with creditors, and improve your score.Start with the links below. These are some of my favorite sites. Come back and ask questions if you need specific advice......then if you still need help spend money on the books. But you truely do not need to waste your money. I have yet to see a credit repair book that has info I didn't already see on the net. -I have been answering credit questions here for sometime. I own a credit restoration company and also sale an ebook for those who like to try to do it themselves.