Credit Repair Companies

I have a very low credit score with old delinquent accounts. I have heard paying off old accounts is pointless, and will not improve your score. Is there any way to fix credit on your own with out the use of a lawyer etc.

My credit history is a little sketchy with a few bad months of late credit card payments. I am afraid my potential having bad credit will keep myself and roommates from renting.

If I have bad recent credit history but my 3 roommates have good credit, will I ruin our chances?

Instead of fixing or repairing credit, I want to remove it. I have paid other companies lots of money but the bad credit remains.

How does bad credit come off your credit report once you have passed the 7 year deadline?

I'm young (19) and have had some credit problems: medical bills, and also bills that didn't reach me when I moved, so they were late. I'm on stable financial ground now and have heard that a credit card is a good way to repair my history- if I use it sensibly and pay it off every month. What is the best card for someone like me to get, and why?

I am planning to go to US in April. I will be in credit however have missed payments etc and have a bad credit history. Will this affect me getting a visa?

My credit score is probably 0 (yes I know that's not possible) but it's pretty bad. Say for example I want a $5,000-$6,000 car, how much would I have to put down and how much would the interest typically be?

I heard once that getting a credit card and making payments faithfully from month to month improves credit. Is this true, and if so, how can I go about doing this?

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