This is from a blog of realtor friend, Marnie, who also posted a YouTube video: 

Meet Kathy Ward.  Kathy is the owner of Credit Team – a credit counseling company.  Her service is amazing!  I have many business associates that have been referring clients to Kathy for years.

 You have the right to remove false data and outdated information from your credit report.  In many cases a few simple steps will help you raise your credit score .  Some people need to put in a lot of work to get their credit reports to show accurately.   Whether the job is big or small, Kathy can help.  In fact, most of us wouldn’t even know where to begin. We get paralyzed – We get scared.  Knowing that there is someone out there who cares and is experienced can make all the difference.

If you have any concerns about your credit score or reports, I highly recommend you contact Kathy at

Almost everything in our lives is effected by our credit – take steps to protect yourself and improve your future.  You will not regret it.  And BTW her inital consultation is only $49!!