It is worthy to note if you have less than satisfactory credit scores as a result of your accurate past credit history – unless they are mistakes – the notations will not be fixed to your liking. In other words, if you were actually late on payments and your reports are reporting you as late, that will not be fixable. If you have unpaid collections accounts which are really your debts and are still within the statute of limitations, these are not errors, and will not be removed. Credit repair is for fixing genuine errors, not for getting rid of negative notations on your credit report that are in fact accurate. If you have outstanding unpaid accounts, within the statute of limitations for your state, these accounts need to be paid off or settled for less than the full amount before they will report more favorably on your credit. For situations like this, please learn more about our Debt Settlement services to resolve the issues before the Credit Bureaus’ reporting can be addressed.