I CAN TAKE YOUR EXISTING CREDIT FILE WITH ALL 3 CREDIT BUREAUS AND DELETE ALL YOUR NEGATIVE AND DEROGATORY TRADELINES PERMANENTLY. FAST AND IMMEDIATE TURNAROUND ON MY END WITHIN 2-3 WEEKS AND 30-45 DAYS OR LESS FOR THE CREDIT BUREAUS TO UPDATE THEIR DATABASE. I DO NOT DO CREDIT REPAIR THAT'S FOR BEGINNERS!! I DELETE, DELETE, DELETE ONLY AND REMOVE DELINQUENT, DEROGATORY TRADELINES WHICH INCLUDE BANKRUPTCY, CHARGEOFFS, LIENS, FORECLOSURES, COLLECTIONS, PASTDUES, INQUIRIES, JUDGMENTS, ATTORNEY CASES, IRS LEVIES, REPOSSESSIONS, YOU NAME IT IF IT'S ON YOUR CREDIT REPORT I CAN DELETE IT. I HAVE WORKED INSIDE 2 OF THE MAJOR CREDIT REPORTING AGENCIES AND I HAVE IMMEDIATE HANDS-ON EXPERIENCE DELETING NEGATIVE TRADELINES AND HAVE BEEN OPERATING MY OWN BUSINESS FOR MANY YEARS SUCCESSFULLY DOING THE SAME WORK FOR A TOTAL OF 38 YEARS. MY WORK IS PERMANENT, MY WORK DOES NOT DOUBLE BACK AND RETURN TO YOUR CREDIT LIKE A LOT OF THESE CREDIT REPAIR PLACES THAT CLAIM THEY CAN DO WHAT I D. MY WORK GUARANTEES YOU A MINIMUM FICO SCORE ON ALL 3 CREDIT BUREAUS WHEN COMPLETED, ALONG WITH YOUR MINIMAL DUE DILIGENCE. RATES: I CHARGE A FLAT RATE FOR SERVICES BASED ON MY REVIEW AND ASSESSMENT OF YOUR TRI-MERGED CREDIT REPORT. IDEALLY EACH PERSON IS ASSESSED INDIVIDUALLY AND I WORK ON A CASE BY CASE BASIS AND ON A FIRST-COME, FIRST-SERVED BASIS.