Most people generally believe they don’t have the knowledge or time to properly fix their own credit without the assistance of a professional credit repair service. In some cases, when there are extreme issues such as multiple charge-off accounts, collections and bankruptcies, a credit repair service may be the best option. But in many cases, individuals can easily take repairing their credit on with out much difficulty.
All you’re really trying to do is have any negative items or reporting errors removed & corrected on your credit reports. This goes a long way in helping to improve your credit scores. Keep in mind, you are not likely to have legitimate negative items such as delinquent payments, outstanding unpaid debts and loan defaults removed from your credit reports before the allotted time for these accounts has expired. You can however, ask the credit bureaus to remove unauthorized credit inquiries, outdated negative items & accounts from your credit reports.