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Credit repair self-help may be best.

Bibliographic Details
Corporate Authors: United States. Federal Trade Commission., Associated Credit Bureaus, Inc.
Format: Government Document Online Book
Language:English
Published: [Washington, D.C. : Federal Trade Commission, 1996]
Subjects:
Online Access:ONLINE VERSION
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Description
Item Description:Title from title screen (viewed on Nov. 12, 2008).
"Produced in cooperation with Associated Credit Bureaus."
"FTC fast facts"--HTML title bar.
"August 1996."
Physical Description:1 electronic text : HTML file.
Format:Mode of access: Internet from GPO's Permanent Public Access Server. Address as of 11/12/08: http://permanent.access.gpo.gov/lps105339/repair.htm ; current access available via PURL.