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The credit laws do allow you to request a reinvestigation of information in your file that you dispute as inaccurate or incomplete. You may choose to do this yourself or employ the help of a legal credit repair company. If you are heavily in debt, you may also want to consider a debt elimination or consolidation plan with the help of a professional.
If you can't solve your credit issues by yourself or you want additional help, you can contact a credit counseling service. There are non-profit companies in every state that help people in debt.
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You can also get credit collectors to stop calling and harassing you if you start a consolidation program. Bankruptcy also can accomplish this same result, but your credit rating will be horrible for years.
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