Don't know any companies that help you rebuild credit but there are things that you can do. Too high debt in comparison to your allowed limits, late pays, excessive inquiries are all things that hurt you. If you want to built pay off your debts on time, especially installment loans. If you want to take out an installment loan to build credit, I think its within 30 days, that having multiple inquiries will only be judged as 1.
There are no companies that can wipe off a bad credit score (and anyone that tells you they can are lying and just looking to take your money). If it's a one time only thing and you've been making timely payments to the company for awhile, you can call them and there's a chance they might make an exception and remove it as a one time courtesy (a credit card company did that for me when my wife and I were buying a house about 20 years ago). Other than that, the only thing that will wipe it out is time (the blemish is completely wiped out in 7 years, but is incrementally lessened in the interim). I'm surprised the hit would be that large for only a 30 day late on a credit card. Why is it that big a deal to you? Were you looking to take out a loan? For most property loans or auto loans, my understanding is a 700 score or better should get you the best interest rates. For pretty much everything else, 760 seems to be the magic number. If your debts are paid down and that's your only blemish, it's hard to believe you wouldn't be somewhere in that ballpark.
I'd tell them I'm cancelling my account with them if they wont remove it. B.s. its just an automated thing. There has to be a way to override. 10 years with 1 late payment and no forgiveness?
this is an EXCELLENT SCORE,,, 90% of the US can barely scratch a 600 lololol,,, if your really pissed about it,,, there are plenty of repair places on the internet, and yes they do work,,, it will cost you some dough,,, but they do work,,Ive used them for my girl,,,, she had bad credit,, its perfect nwo,,, and she had a bankruptcy,,
my advice,, is call that place YOUR CC,,, one more time,, and go up the ladder,,, you just need to speak to the right person,, maybe ask to be sent to the FFRAUD dept. I knwo that sounds crazy,,, but you gotta know those guys can do anything,, and arent BRAINWASHED into saying the same shit,,, and might just pass you up the ladder to someone that will do the right thing,,,
gl
