They do the same things you can do, but just charge you money for it — if you’re lucky; the really bad ones take your money and do little to nothing. Why aren’t you willing to write letters and call the companies yourself, for free?

I can not say that I know of any. There may be a few but most of them are just rip offs. They “repair” you score by allowing you debts to go into collections, then they make an offer to settle. You may save some money but the debt will still show on your report for 7 1/2 years, so your score will not increase.

If you do find one, here is what to watch out for:
1. Credit repair companies advertise directly to consumers on the radio, the Internet and on telephone poles!
2. They claim they can quickly fix your credit situation, no matter how atrocious it really is. These grandiose claims are one of the signs to watch out for.
3. If a company asks you to pay for credit repair services up front, that’s a bad omen, indeed, because it’s illegal.
4. Credit repair companies often discourage you from contacting the credit bureaus directly.
5. If somebody suggests that you apply for an employer identification number and use that instead of your Social Security number when you apply for credit, that’s a telltale sign of fraud.
6. Credit repair scammers may advise you to dispute all the information in your credit report, even entries you know are true.

Hope this helps answer your question