Tobelobe:

What kind of "stuff" do you (or the person you are speaking on behalf of) have on a credit report to begin with?

That is the place to begin before a plan can be recomended to you.

Best wishes

Multiple late payments, bankruptcy - it is a reflection of your reliability and your ability to keep your word.

I DO HAVE MULTIPLE LATE PAYMENTS, BUT ALL MY ACCOUNTS HAVE BEEN PAID. I HAVE ZERO DEBT. EVERYTHING ELSE IN MY BACKGROUND IS GOOD TO GO.

Having multiple late payments is a statement of how you handle responsibility. The question one would ask is, "Why did you have multiple late payments?"

You will be held accountable for your actions.
Paul Lepore, Battalion Chief
Author of:
"Smoke Your Firefighter Interview"
"The Aspiring Firefighter's 2-Year Plan
www.smokeyourffinterview.com
Think outside of the box!
800 215-9555