樓主,建議您先靜下心好好把這個資料看一遍.
http://credit.about.com/od/creditrepair/ss/creditrepair.htm
同時如果有可能仔細讀一下這本書
http://productsearch.barnesandnoble.com/search/results.aspx?WRD=credit+repair+kit+for+dummies
Credit Repair Kit For Dummies by
Steve Bucci
這本書寫得還不錯. 值得您仔細讀一讀.