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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.
Counselors try to negotiate payment plans that are acceptable to you and your creditors. They also can help you work at a new household budget. Christian Consolidation Debt Free - there is help out there.
Visit Debt Consolidation Search for more resources.
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Debt Consolidation
