Credit counseling and credit repair are two different things. You should never use a service that charges you monthly. The longer it drags on the more they get paid. You should do it yourself and it will be faster and cheaper if you do it right.

I personally used Credit Repair Magic. There is a video at the site that tells you in their own words why you should pick this product and avoid all of the junk that is out there. It cost you more and actually takes longer to do all the back and forth with a company doing it for you.

The main power of this program is that it is self-directed and not do-it-yourself. A reasonable comparison would be to some of the better self-directed income tax programs that are so popular now even including video and audio instructions! This software takes you step-by-step through a point and click method that automates all of the output that is going to the credit agencies. You do not need to know legalese or not even an address because the software takes care of it for you

I read the Fair Credit Reporting laws and did it on my own. It’s very time consuming and you have to be persistent.

You can find more info here:

Good Luck.