Hi all. I just tried to buy a used car (2002 civic DX - worth 12k - with 3k down, and 20% interest - a low-end economy car is going to cost me $275/month for 60 months - pays to have good credit kids.). They pulled my eqfx report. to my suprise - there was 16 derogetory tl's - all from the same company, all for $35 or less! I have never heard of the company before. I almost shat myself. My score was 487. I have heard that there are 'services' that provide 'methods' to clean up your credit using loopholes, etc. Anyone have any experience with this? How is it done? Does it work?