Don't let previous credit problems slow you down. Regardless of your credit past or present you can safely and easily repair your credit history yourself. Nobody can do more than you can do yourself with information available from your local credit bureau. There is no credit repair clinic.
It's worth pointing out that credit reports are not just “good" or “bad"; there's all sorts of shades in between. For example, if your credit report shows credit problems two years in the past, but an excellent payment history since then, then a creditor may decide that the recent history is more important.
If you feel that some of the entries on the credit report are unjustified, then by all means dispute them. Any consumer has the right to dispute inaccurate information at no charge. This is the law. But you should be concentrating on rebuilding a good credit profile in the present by making payments promptly, rather than concentrating on past events that you can't control. And be forthright about your situation.
When you apply for a loan, don't wait for the creditor to pull your credit report and see the damage; attach a letter saying “Here's what happened to me, and here's what I'm doing to make sure it doesn't happen again. " This sort of honesty can go a long way with some creditors; and the creditors who would reject you on the basis of such a letter would almost certainly reject you on the basis of negative credit report information anyway, so you've got very little to lose.
Larry is a frelance writer intersted in items such as credit repair