i've been reading here for a couple of weeks and i have learned a lot, so thanks to all of you. My only problem with my credit (as far as i can tell) is my very high balances and inquires. Someone told me that these can be cleared by hoping for default judgements in small claims court. Is this true? If not what are my options (besides the obvious course that i am currently on of paying off the credit cards). The wife and i would love to buy a house soon and our debt to income ratios are killing us. Thanks everybody for teaching me stuff!!
clarification: when i say "remove" i only mean from my report. i understand that the debt is my resposibility and i will pay back what i have borrowed (like my father taught me to).
