I have decade old defaults on my credit reports that belong to my wife prior to our marriage. I paid for her defaults in full in XXXX. We married in XXXX. I have written letters to the credit bureaus and did n't receive any assistance and my issue was never investigated. I should n't have any defaults on my credit reports. I have honored every loan I have ever acquired. I 'm a small business owner, my income is {$XXXX} yearly and I have difficulties getting loans because of the discrepancies on my credit score that are not mine. I have to pay cash for everything since I have trouble getting financed which is slowing the growth of my business. Also, I have multiple addresses on my credit file but I 've lived at the same place for the past ten years. And I have inquiries on my credit files that I never sought. The last legitimate inquiry I was responsible for was in XXXX when I bought a car for my wife. But for some reason there are multiple inquiries in XXXX and XXXX. And my credit score has lowered since XXXX and I do not know why. Furthermore, I thought defaults were supposed to drop off after seven years. These old defaults, that were paid off, are over nine years old. I do not trust the credit bureaus and banks. I feel that they intentionally try to lower ones score to make more money via high interest rates on loans. I would also like to add that I do not like credit cards, I do not use credit cards, and I will not use credit cards. Credit cards are rip offs. I dislike that credit cards can have such an impact on ones credit score, good or bad. I always pay for what I purchase but my credit score makes me look like an incompetent derelict. I 'm wondering if I may need to hire an attorney to resolve this if I ca n't on my own. I appreciate your time and look forward to any assistance.