CHESSNOID

Repairing your own credit report is quite easy on paper, but it takes time and effort to get it done.  I personally have done it and it took me about 2 years of writing letters and following it up with even more letters. All you really have to invest is your time, some letters and stamps.

I found this summary online of a step by step plan which is basically what I had done over 20 years ago.  Yes, you could pay someone else to do this stuff, but that would be a waste of money in my opinion.

The basic strategy to repairing your credit is as follows:
Get and review your credit report.

Analyze your report.

Make a list of all items you consider to be questionable or negative. Clearly identify each item in your report you are disputing and explain why you are disputing this information.

Write a dispute letter to the credit bureaus.

Mail the letter to the credit bureaus. Make sure you send it registered or certified mail.

Document your efforts. Record when you sent your letters, and the results.

Wait for the bureaus to investigate your claims.

Analyze the results.

Repeat.

Specialized techniques. Was the item deleted or changed to your satisfaction? You may continue steps 1, 2 and 3 above until you feel the dispute is settled satisfactorily. Remember, there is no charge for a reinvestigation. If you don’t get the results you want, dispute the listing again.

While you wait for bad credit items to drop off, be sure to reestablish your credit with new credit cards. If you can’t or don’t qualify for one now, then get a secured credit card that reports to all three credit reporting agencies.