Best answer from question by allison a:
Answer by Sarah K
Perhaps if you got a lawyer. The best thing may be for you to just wait it out, depending on how old the information is. It affects you less and less as time goes on and the information is dropped from your report.
If late payments are on your report after 7 years from last activity, you will need to contact the credit bureaus.
There are always companies that claim they can do this, but why pay them to do something you can do yourself? It won’t cost you near as much as you’ll pay them and you’ll likely get the same results.
The old stuff will drop off after 7 years. Other then that, you dispute it if it’s incorrect. If it’s correct, it stays.
The companies that you pay to “clean up your report” will file dispute letters on everything. The credit reporting agencies will take the disputed item off your report. There is a lot of confusion on the 30 day rule. A lot of people think if the creditor doesn’t respond within 30 days, the debt is gone forever. That is not true. What these companies that clean up your credit fail to tell you is that on the creditor can put it right back on your report. If it was correct in the first place, they can resubmit it to the reporting agency so your file is only temporarily cleaned up.
Disputing does not mean your credit will be cleaned up. Unless the reports are false, you wont win any dispute.
Step-by-Step Credit Repair Guide: Bad credit can frustrate your efforts at getting a credit. Hence ensure you keep your credit report clean. If there are any errors in the report, undertake credit repair to clear out any errors. This can be tiring and frustrating, but highly rewarding. Though law recognizes and protects your rights, it is your duty to remove any anomalies in
disputing the things you want changed, removed etc is the only way to get it off or done.
CREDIT REPORT INFO / REPAIRS
http://www.kiplinger.com/columns/starting/archive/2007/st0221.htm
http://www.bankrate.com/brm/news/cc/20040116b1.asp
https://www.annualcreditreport.com/cra/helpfaq
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.asp
http://www.bankrate.com/brm/news/bankruptcy/20070313_credit_report_stains_a1.asp
http://www.bankrate.com/brm/news/forms/credit-report-error-fix.txt