Does anyone have any experience with this type of "credit cleaning"? Is it real, or is it another scam? They supposedly review your credit report and remove derogatory items, quicker than the 7 year usual. For example, I had a credit card balance that was paid off about 2 years ago, and it was still listed as having a balance in June of this year!!! Is it better to just write to the CBs yourself? I was told that they can ignore your letters if they feel they are meritless.