Credit reports must contain accurate information.
If you have bad credit, but what
is reported is correct, then there is no magic pill that will clean up your credit report. Filing bankruptcy won't
do it, and neither will paying a company who promises that they can get your scores up no matter what is on your credit report.
If what is on the report is true, then then it can be reported.
if you owe the debt. If you do, then it is legitimately on your credit report. If someone tells you they will
help you dispute it, even if it falls off temporarily it can always be put back on. If you paid someone to clean up
your credit rating, well you just got taken for a ride.
If they can really clean up your credit,
so can you.
If the information on your report is false, you can dispute it and have it removed.
You don't need to pay someone to do it for you. If something is reported incorrectly and they won't remove it,
you need to see a lawyer to discuss whehter or not you have a right to sue under the Fair Debt Report acts to enforce the
Now that will clean up your credit!
See: Should I Pay To Have My Credit Report Cleaned Up?