We have a credit restoration division at my office. There are a lot of companies that offer a similar service but some stand out more then the rest. Some companies charge a flat fee or monthly fee for 12 months, they dispute negative items as inaccurate information with the hope the creditor will not respond. If they don't respond the item falls off. The problems is that the creditors receive about one million disputes a day. There is no way possible to respond to all the disputes for inaccurate information. Some stuff will fall off but you don't need to pay some one to do that. You can dispute them your self. Our program is different we remove all derogatory items in about 30 to 60 days if we don't preform you get a refund. Our program is a little bit more expensive but in the long run its worth it to have squeaky clean credit.