I often answer consumer questions regarding effective credit repair techniques. Here's a recent question I received pertaining to stubborn, obdurate credit bureaus and creditors who just won't do what the law requires then to do.

Here's the question:

I have several charge offs, and collections items on my credit report. I would like to get these items removed. The biggest challenge is with Experian they do not delete anything. I would like to purchase a home increase my score. I paid all my col...
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