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ambience wants to know:

I want to buy a house and my friend was telling me to go through a credit repair agency and they can “hide” things on your report while you are going through the home buying process is it true or just a ripoff

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hopscotch20 wants to know:

I have a lot of debt and thought best to join a credit counseling agency for help. Now my credit has dropped 200 points and I want to buy a house. What do I do to improve my credit? Will I be able to get a loan for a house?