I am writing this to shed some light on the complex (and somewhat confusing) topic of credit repair.....First things first. What is on YOUR credit report? By Federal Law...

Her goal, ultimately, is home ownership. Her credit scores, however, were too low to qualify for most sub prime loan packages. She had some collection accounts that were 2 years and, in some cases, six years old. The CCCS program indicated that she would start giving them money each month that they would then break the money down into smaller amounts and forward off to each collection account.