You'll notice just 4 solutions to fix the credit of yours, and here they're, from worst to best:

Worst: Credit Repair Services

Worst: Credit Repair Services
It is tempting to just pay a company to "do the job for you," but all credit repair services (including law firms) have two dirty little secrets they don't want you to learn.
For starters, as they charge monthly for their service, they can make far more money--up to $2,000-- in case they deliberately drag out the procedure, which is why they frequently take two or perhaps 3 years. Second, you wind up doing MORE work than if you did it yourself. In addition to many forms, the credit repair service requires YOU to individually choose which things to dispute, howto dispute them, and you've to continually mail them info that the credit bureaus present you with. Better: Follow Instructions From The Credit Bureaus.
This is as the wolf instructing the sheep. The credit bureaus are not the friends of yours. This strategy costs nothing, although you will get what you buy. Don't do it.
Better Still: Do-It-Yourself Programs (Typically A Printed Book, An E-Book, Or maybe An Audio Program).
You will find hundreds of these programs offered, but they're out of date. If you're very organized and have lots of spare time available, the task these books describe will work fairly well... eventually.

best credit repair service 2021 (More Material): Credit Repair Software

Best: Credit Repair Software