Read, read, read and then read some more. When your done, and feel like you can do it, follow the steps outlined, keep yourself organized and give it a go. There is no reason to pay someone to do something you can do for a bit of your time and postage money. Plus it is a wonderful learning experience! I have raised 2 of my scores over 100 points in about 45 days, and all I paid for was postage. In my experience if they can put it on your credit report there is a way to take it off:D. Good luck!
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