After 2-years of battling, I have spent about $1000 in fees for 2-different individuals to 'repair' my credit. I do not need anyone to tell me what I already know = I should have done it myself. The first took $500 and never called back. The second $450 and raised my score about 40pts but did nothing to help a few legit ERRORS on the report. Their comment was that the Underwriters would just overlook them and to not touch them. NOT!!! I just spoke with an underwriter who stated even with a 640-middle fico that I would likely be denied due to shaky credit after bankruptcy. I have spent a few days tackling about 6-issues: 1.)**UNRESOLVED** personal JUDGEMENT: This was related to the bankruptcy itself. I did send a DV letter back in april and do NOT remember seeing any type of documentation or letter verifying it, but it did update my credit profile as verified in May of 2010. The judgement is for $690 and was related to a car I sold on ebay in 2004/2005. The guy bought it 'as-is' not able to operate, and took me to court for his time invested to make it operate/plate fees and misc. His suit was for about $5k and the judge adwarded him $650 - likely due to me not showing up at court. My lawyer simply stated I did not need to worry about it. My lawyer will NOT CALL ME BACK now to verify that the letter was sent to this person during the bankruptcy and is he is no longer in the Bankruptcy business. I just sent another dispute stating it was included in the bankruptcy. We will see how the court responds. The case has been 4-years out now; I am in Indiana and plantiff in NJ. They have NOT tried to collect on this judgement ever. 2.) ***UNRESOLVED** VERIZON: 2-years ago. There are many errors such as the 'open' date on the credit report showing that I opened it last year. I have not had Verizon service for about 2-years now! They claim I owe $490 -- and I remember most of it being early termination. We did not have service (internet-hi speed) where we lived and did NOT continue. I believe the early termination was about 3-months before the 2-year contract expired. 3.)*** UNRESOLVED** PENN CREDIT - ALLEGHENY POWER : They are BEASTS!! They will not accept a PFD. I have called MANY time and costing them customer service dollars. Again, during the move-- the landlord asked we kept the electric on (sump pump) for new tenants. The new tenants did not transfer in time and we had the final bill $196.00 - we never gave our forwarding address to them, but had our mail forwarded for 6-months (standard). Their collections obviously came 6-months after that period and they claim my mail came back undeliverable. DUH! They are unwilling to budge for any payment. ANY Help is appreciated.