What is the best "Repair Your Credit" company to use?

My credit, outstanding bills, etc. are REALLY bad news!

Public Comments

1. None. In most cases, those places are total scams and don't do anything you can't do on your own. Read the forums at creditboards.com and you will learn, step-by-step, how to fix your credit and build new credit. Just remember that you didn't ruin your credit over night, you can't fix it over night either. Good luck.
2. Sorry, Repair Your Credit companies do not exsist. They only claim to help but will steal your money. Only time and paying your bills on time will help repair your credit.
3. Your self!! A "repair your credit" company is not the same thing as a consumer credit counseling place. If you just want to 'repair' the old mistakes, (not current ones) you can do this yourself. Pull all three reports and dispute everything. If it doesn't work the first time on a few, do it over and over. You can get about 75% of your late pays, collections, etc deleted this way. COllection companies usually dont mind letting them delete it once they have your money. if you are talking about trying to reduce your monthly paymetns and get your debt under control, then call all your credit grantors and negotiate. Tell them what you can afford and see what they can do to help you. Create a spreadshet of ALL your payments and figure out how much you can pay at each payday.
4. you can try talking to a credit counselor??? im sorry i dont know
5. Go here http://allsolutionsnetwork.com/FH/FH54617
6. They are all scams. The only way to truly increase your credit score is to pay off the negative stuff, continue to pay your bills on time (paying a mortgage late is THE most damaging thing you can do to your credit report), and lower your debt to credit ratio. Good luck!
7. You should consider repairing your credit yourself first, it's cheaper and not halfway as hard as it sounds check out http://creditwisdom.blogspot.com
8. I think you should do it yourself.! It would be much faster, you wont be out of a lot of money and you will know for SURE things are getting DONE!
9. You should hire one that complies with all federal and state laws. That means only about 15 companies in the USA qualify. What do you know? We have one of those! Visit the site below.