You'll find just 4 ways to address your credit, and below they're, from worst to best:

Worst: Credit Repair Services

Worst: Credit Repair Services
It is tempting to simply spend a business to "do the job for you," but all credit repair services (including law firms) have two dirty little secrets they don't need you to learn.
First, since they charge monthly for their service, they can make far more money--up to $2,000-- if they intentionally drag out the process, which is exactly why they often times take 2 or maybe three years. Next, you find yourself doing MORE work than if you did it yourself. In addition to dozens of kinds, the credit repair service calls for YOU to individually pick which items to argue, how to argue them, plus you've to constantly mail them info which the credit bureaus send you. Better: Follow Instructions From The Credit Bureaus.
This's like the wolf instructing the sheep. The credit bureaus are not the friends of yours. This strategy costs nothing, however, you get everything you buy. Do not do it.
Better Still: Do-It-Yourself Programs (Typically A Printed Book, An E Book, or perhaps An Audio Program).
One can find hundreds of these programs available, but they are out of date. If you are very organized and also have lots definition of credit repair service (supplemental resources) free time available, the task these books describe works fairly well... at last.

Best: Credit Repair Software

Best: Credit Repair Software