these are the very same credit secrets that celebrities use! it's legal and best of all, the process is free! plus what's even better are the techniques to improve your credit rating without losing any good credit items that you may have the way you would by opening an entirely new file.
The first thing you need to find out is was it ever filed.If it was, it happened as far as the credit bureaus are concerned and you may be stuck with having it on your reports for 7 or 10 years.