For your second question I think I understand what you are asking and the answer is no. These so called "credit repair" companies are mostly a scam. The exception to this are those that are government approved non-profit agencies. Most scam companies will try to get you to change some of your information or file for a new SS card, all of which is illegal and fraudulent. But a debt that old should fall off of your record, but more recent debts may NOT be cleared by such companies.

