I am Owen hart a childhood friend of mine introduced me to Richard when we were in the process of getting our Home loan approve. The only thing that look bad on my credit report were 4 credit cards debt which is about 2 years old. I have been trying to settle this debt with all my banks and so far no respond. My lender/broker told me settling this account or paid if off won’t really increase my credit score. Then i met GreenBlatt he told me about clearing negative items which were holding my scores back and their balances, how many lates and so on. For All I know he works with many high tops agent that offer programs for people with less than perfect credit and they do not try and gouge you on your interest rate. I believe in some instances they offer down payment assistance programs. I'd try them first and he increased my credit score and fixed my credit report. A friend I recommended also got his DUI records and criminal records cleared in a week, they are truly a genius. Good luck. You can call them on +1(541) 581-1469 or mail him Via RichardGreenBlattCreditRepair (AT) GMaiL (DoT) CoM.