Okay, you’ve begun to get your credit reports cleaned up, so you can now begin re-establishing your credit. You need “positive” ratings on your report! There are several ways to accomplish this…

Is it possible to have too many credit inquiries showing on your report and, if so, can you have them removed?

I was told that my letters to the Credit Bureaus must contain the specific law that required them to remove disputed items that cannot be verified. Your letters do not state the laws in them. Do you know if this is necessary?

I am trying to buy a house and I have a bankruptcy and an item in collections. Is it possible to clear that up?

In Understanding Your Credit Reports, you stated negative entries should only remain on your credit report for 7 years from “date of last activity” (or 10 years, in the case of a bankruptcy). What exactly is the meaning of “date of last activity”? Is there a legal definition for this? If an account goes from onecollection agency to another to another does all that time count as “date of last activity”?