I don't charge any money, and I'm certainly not a fake... I know several tactics to improve credit scores, but I don't do "credit repair" because I believe that someone can improve their credit scores on their own rather than paying a 3rd party company to do it for them. Rebuilding credit isn't that tricky either, biggest part is establishing new accounts and make your payments on time. As far as dealing with past negative accounts, sometimes it's best to work something out and sometime it isn't... just depends on exactly what it is & when it occurred. There is no "one solution fits all", every person's situation is different on what they need to do.
Shane Milne | Lending in all 50 states | NMLS #81195
shane@thebesthomeloans | 949-273-4161 direct