Its good to be able to see what all three bureaus are reporting about you. Each one uses different methods of gathering data, therefore they could potentially have conflicting information.
We can definitely help advise you on best options. However, we do not do debt settlement or debt consolidation. We have come across a few good companies over the years and can recommend one to you if it comes to that. Debt settlement or consolidation can be harmful to your credit sometimes, so we will only advise this in worst case scenarios.
You can email them to firstname.lastname@example.org, fax to 888-669-7372 or feel free to call and we can walk you through other options.
When applying for a loan, it's always good to have both spouses credit in tip-top shape, in case you both want to be on the loan. So it is definitely something that we recommend. If you both sign up at the same time, we even offer a special discount.