Help With Credit Score - credit repair?

credit repair?

any experiences with credit repair, credit repair agencies,books, websites, etc....

Credit repair is a scam. I quote from the 2007 edition of the Consumer Action Handbook "There are companies that are advertising that they can remove bad credit for a fee. Don't believe them". Any information that is correct can not legally be removed form a credit report. You do not repair credit you rebuild it over time by paying your current debt as agreed every month.
for me, a small loan consolidation with low interest is the best I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.html
Yes you're absolutely correct. 1. credit repair agency disputes all the "bad accounts" 2. creditor doesn't respond 3. account gets deleted. HERE'S THE OTHER PART OF THE STORY: 4. Creditor finally does respond and shows proof that the account is yours--BANG--the "bad account" gets put right back on. I've found some good information here too... http://debt.123thebest.info/credit_card.html