Stay away from credit repair agencies, i learned the hard way........read up on this board and you will be good to go.....i move up on my equifax from 418 to 515 (myfico) and i started my journey on July 5th. Hard work and research will pay off leave the credit repair up to yourself and you will do just fine.....and you are going to ask how i did that i had about nine 30 day lates removed, got one CA removed from my report and thats about it. I have alot more to go but im sure with the help of this board my 700's will come.