I have found a company that really can clean up anybodys credit!It is inexpensive and has a money back quarantee. They did wonders for me and a friend of mine.His fico score was in the low 500's and now it's in the mid 700's! So,don't distress,it is possible to have a life after credit problems.
Have been looking for such a company - am making regular payments on everything for the past five months but need help in negotiating the negative off in return for payment of accounts in full.