It's important to understand that there is nothing a credit repair agency can do that you can not accomplish yourself.
What you have to ask yourself is, "Is it worth my time to learn the credit system inside and out and file a ton of paperwork, often in triplicate due to the three credit bureaus, or should I leave it to the experts?"
In most cases, it's best to hire someone else that is a specialist. You can build your own house, in theory, but it's much more reasonable to pay a construction company to do so. They're the experts.
Credit repair experts are always available to assist you in removing negative or erroneous marks on your credit record. They are also a great source of credit knowledge that can prevent you from falling into similar traps in the future.
It has been statistically proven that 1 in 5 consumers have an error on at least one of their three reports. That is a startling number that may be holding many of us back from lower interest rates and a higher quality of life.
There are a few simple DOs and DO NOTs that can help you repair your credit.
Of course, sometimes things are easier said than done.