If your credit is shot due to errors and inaccuracies, through no fault of your own, then you should easily be able to resolve the issue yourself.

Review the FCRA laws and file disputes with all the major credit bureaus. Document everything. Follow up to make sure the errors are removed, if not, consult an attorney who will force the creditor to correct the files and you may be entitled to damages.

If the credit problems are your fault, then you won’t be able to do much about it, other than filing disputes hoping the creditor won’t respond, or using some “unorthodox” tactics. If you are still considering a credit repair service for such, make sure that your fee is dependent on results and not paid up front.