I am in credit repair field for 2 years now. I have gained knowledge to help other people to remove or update those negative Accounts and late payments. I can help you remove those negative accounts with the collection agencies, student loans, auto loan, mortgages, credit cards, late payments, inquiries and more. Just to manage your expectations, I cannot guarantee you 100% deletion on all your negative items in a short period of time, however so far most of my clients have 60% deletions within 6 months and if you are patient enough, I have clients who stayed on the Program more than 6 months and we have removed ALL their negative. If you will let me keep on disputing every month, we can try this to you as well.