Today I did a story on a company trying to charge you hundreds of dollars for budgeting software and to go over your credit report.
You do not need to pay for that though.
You can get free credit reports here: www.annualcreditreport.com
You can get free budgeting software here: https://www.mint.com/
You can get advice on fixing errors on your credit report here: http://www.financialguidancecenter.org/
You can also call The Financial Guidance Center at 702-364-0344.
They can walk you through the process but only you can fix the errors yourself!!
Hope this helps and remember, before you pay for a service make sure you really need it and that you can't get it for free elsewhere!! I don't want to see you waste money you can't afford to lose.