There is not quick fix. Pay your bills on time and in two or three years it will correct itself.

you can’t repair credit – if you messed up and caused a debt to go to collection, or fell behind 90 days – for whatever reason, – that stays on your credit report for 7 yrs – you can;t erase things that actually happened – that isn;t fair to everyone that doesn;t get into those kind of situations

As you can tell from the other answers, there are not quick fixes, regardless what some “credit cleaning companies” may tell you. What they do is dispute negative information and hope that the original creditor does not take the time or effort to respond to the credit reporting agency’s inquiry. At best this takes 60 – 90 days, and if the original creditor does confirm the debt is owed, then it stays on your record.

The lesson to be learned here is to protect your credit by making your payments on time, and not getting over extended. We live in an instant society that says we should have the newest of everything NOW, but as we now see in the current economic chaos, it is not a good long-term philosophy.

Good Luck!

dont fall for that scam.

They don’t exist.

I quote from the 2008 edition of the Consumer Action Handbook ” If the information is correct only time, hard work and a debt repayment plan will improve your credit report. Credit repair companies advertise that they can erase bad credit for a hefty fee. Don’t believe it.”

Under the Credit Repair Organizations Act, credit repair companies can’t require you to pay until they have completed promised services. They must also give you:

1. A copy of the “Consumer Credit File Rights Under State and Federal Law” before you sign a contract.

2. A written contract that spells out your rights and obligations.

3. Three days to cancel without paying any fee’s.

Dream on no such animal. They do nothing you can not do and it takes time to rebuild your credit after you get it all straightened out.

ADDED

Yes you can have negative items removed if the reporter agrees.

and

Yes the enquirer CAN remove an enquiry they have made!

There aren’t any.

You don’t need to hire a company to do this. You can do it yourself. And NO ONE is allowed to remove inquiries from your credit report. If they tell you they can, they are wrong, and it’s illegal to take money for this from anyone. It’s illegal to ask for money up front to repair your credit. Nothing you would pay for should cost your any more than a single STAMP on a letter and you can probably afford that.

The only legal way to repair your credit is to start making good choices and let your previous bad choices get further behind you.

If an item is false, you can ask the credit agencies to verify or remove the item, but you can’t do this with bad items that are reported correctly.

Any company that offers to repair your credit is either scamming you, engaging in illegal activity or both. If you are caught doing something illegal with a credit repair company, you will be in just as much trouble as they will be.