Well, I've not done this in a really long time. But, I did manage to fix my credit score myself, without paying a single person.

I'm sure you can look it up. But in a general sense, it went like this.

• There's a website that allows a free annual credit report
• using this website I disputed all the issues
• requested copies of contracts, to prove I owed the money
• By not responding (most of them didn't) I won the disputes

My credit is shit again, but that's another story. I don't have credit cards and may not get one again.