Are there any credit repair agencies (and/or software) that actually works?

Question

I'm looking to fix a couple of issues on my credit report. For example, I want a creditor to remove a 30-day delinquency from my credit report.

Are there any actual credit repair agencies and/or websites/software that work?

Answer 1

You might find the two url in my resource list be helpful.  Good luck

Answer 2

I know of atleast 2 that can get results for you.  The 1 is only $125 for a 3 month program that should cure what ails ya.  Check out the free evaluation form at www.totaldebtsolutionsllc.com and they will contact you within 24 hours.  My inlaws used them.  Good luck.

Answer 3

No....accurate negative information stays...sorry...Only the passing of time will remove late pays.  Don't waste your money on any firm that states that they can remove negative items...

The new FICO credit scoring model is supposedly set up to forgive situations like yours...that is, a one-time missed payment. If this is all you have wrong, I would not worry....Again, this cannot be deleted....Just focus on not letting this happen again as they won't forgive another late pay so soon after this one and you would see a drop in your score if you let it happen again.