Craig's List and check out all the "Credit Repair" ads in the Financial and Legal Services sections. Watch late night TV, listen to the radio, just watch your junk mail! You will hear the sweet sound of easy redemption from credit problems. Get rid of negative accounts, delete judgments and even bankruptcies -- whether or not those entries are truthful. Want to bet how many of them were around 10-years ago? Or how many will be around in another 10-years?