My name is Rose Jones business women and entrepreneur with a back ground in mortgages.
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.Credit repair can be tricky, its all going to depend on what's on the credit, the statue of limitations for your state and if you have acknowledged that the debt is your's. There are a lot of reports that have information from someone else on it with the same name or birthdate. Remove out dated addresses phone numbers and jobs if you have been job hopping, remember lenders look for stability.
You can write the credit bureaus and ask them for your full credit report, if you have been turned down for credit or have not gotten a report in a year you can get one free from each bureau. You will need to send them information to assure them its you, I send everything by certified mail, remember this is your information in an envelope you want to have information on it being delivered.
You get it back and you go to work on finding items that are wrong, dates, names amounts ...etc ask them to remove the items. Now remember these bureau's are only reporting what someone has sent to them.
I personally start building my clients credit with a secured card because you need some good credit to help in the process, remember if all is removed you have nothing lenders look for history. Always remember credit it like a baby you have to grow it. This is what your credit should look like so now do your home work.