I need a person super knowledgeable in the workings of credit and - TopicsExpress

I need a person super knowledgeable in the workings of credit and credit scores. we fully intend to buy the house we are currently in BUT my credit score is horrid right now. i am 90% sure there are several things on here that can be removed because of over reporting and other little things that would greatly improve my score but i really have no clue how to do any of this. anyone want to hold me hand through this process?? just little things like i heard that you can get marks removed from your credit once you payed off the debt but it wont automatically come off you have to do XYZ or what have you to get them to remove the blemish.

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