Hey everybody, my mom and dad passed away and I have to buy my 2 brothers shares of our family home in a year and I am going to be in major trouble with a mortgage if I don't get my credit straightened out. I don't want lose our family home because of this issue.

I'm 27 now and when I was 18-21 I screwed up my credit. I am now financially stable and have been paying all my bills and building my credit by making timely payments to 3 separate secured credit cards of about $500 each and my student loans. My brother also listed me as a co-applicant on one of his credit cards and I have been building credit that way as well. As of today my credit is listed at 615.

My efforts have been going well to building positive but the negatives remain. The guy I was working with was writing letters that would apparently get negatives deleted from my credit report. He made it seem that by writing a few letters and asking some questions regarding information the banks were required to hold that these negatives would get removed. He explained that due to bank mergers and just by sheer volume of required information they were required to hold that they often did not have it and would simply give up and remove negative information. Then he was [charged with attempted murder]( I had a few account status changes but I didn't really see any negatives go away. Some charge offs still exist on my report.

[Here is a summary]( from my Equifax account with several screenshots of a summary of my accounts including negative ones, revolving accounts, and installment accounts. I also have listed [one account]( that has a charge off from January of 2007 but is listed as "reported" as late as December of 2011. Why is this still being reported if it was charged off and closed in 2007?

If any further documentation is needed I will gladly provide. Please help!!!

Some questions:
Is there any known agencies that do this repair?
What would cost be?
How long can I expect to see changes?
user
Fucked my credit up, guy fixing
assistant
Hey everybody, my mom and dad passed away and I have to buy my 2 brothers shares of our family home in a year and I am going to be in major trouble with a mortgage if I don't get my credit straightened out. I don't want lose our family home because of this issue.

I'm 27 now and when I was 18-21 I screwed up my credit. I am now financially stable and have been paying all my bills and building my credit by making timely payments to 3 separate secured credit cards of about $500 each and my student loans. My brother also listed me as a co-applicant on one of his credit cards and I have been building credit that way as well. As of today my credit is listed at 615.

My efforts have been going well to building positive but the negatives remain. The guy I was working with was writing letters that would apparently get negatives deleted from my credit report. He made it seem that by writing a few letters and asking some questions regarding information the banks were required to hold that these negatives would get removed. He explained that due to bank mergers and just by sheer volume of required information they were required to hold that they often did not have it and would simply give up and remove negative information. Then he was [charged with attempted murder]( I had a few account status changes but I didn't really see any negatives go away. Some charge offs still exist on my report.

[Here is a summary]( from my Equifax account with several screenshots of a summary of my accounts including negative ones, revolving accounts, and installment accounts. I also have listed [one account]( that has a charge off from January of 2007 but is listed as "reported" as late as December of 2011. Why is this still being reported if it was charged off and closed in 2007?

If any further documentation is needed I will gladly provide. Please help!!!

Some questions:
Is there any known agencies that do this repair?
What would cost be?
How long can I expect to see changes?
user
I am paying off my credit
assistant