You see the ads online, in the newspapers, on the television and hear them on the radio. They all make claims that they can delete bankruptcies, judgments, late pays, defaults and any other negative credit information from your credit file. The dispute process that they use "sometimes" work, and it can take up to 1 year, this process requires a lot of letters and patience, and most of all its very, very expensive sometimes costs $800 to $2500. I have a method that will "block" not "delete" negative information from your credit file, this comes directly from an Act that is in place to help  the consumer. This process will take anywhere from 1 to 3 weeks to complete and its perfectly legal. You will only send out 2 letters via certified mail and wait, that's it! The cost to you is only  $150  click on the DETAILED VIEW to get started