Over the years we have developed various systems and methods that we have experienced great success with, and have encountered almost every credit issue there is. Negative information such as late payment histories, bankruptcies, charge off's, judgments, foreclosures, repossessions, collections, liens, settlements, etc, all have to meet the same criteria under the Fair Credit Reporting Act to be continuously reported on your credit report. To date our methods have helped to remove thousands of inaccurate, outdated and unverifiable items from credit reports all over the country. Providing expertise and compassion in a time of need, we enable people to move forward with their life, by helping them clean up the past.