There are companies in the market place who offer to "clean" an individuals credit for a "fee". These fees can be substantial amounts. These companies also give a timeline as to how long the process can take to clean a report (can be up to 180 days). With 6 months having passed you too with some effort can achieve some dramatic changes. Do yourself and your client a favor, simply tell your client to write a letter to each bureau disputing the record, the bureaus have (30 days, pretty sure)to address the issue, if they fail to do so, the item should be removed. This is something anybody can do without paying for it. (If needed write additional letters to clear a given account).