Yes you can use credit counseling agencies, non-profit or fee based, but you can do this yourself if you can stick with it. Why pay for what others will do when you can do it yourself if you know what to do. I help buyers with this process all the time. First go to FTC web site and select the free credit report option. http://www.ftc.gov/bcp/edu/microsites/freereports/index.shtml
Now select the credit reports one at a time and print them. Do not try to do all three at once, because if you accidentally exit, it will not let you print them again. Once you have them printed look at the delinquent items. It has the name and address of each creditor. Write a dispute letter to each one and they will have to respond in 30 days or it has to be removed from the credit report. If you have items on there that you owe, write a letter saying you will pay them and upon clearance of your check they agree to delete the item from the credit report. Once you received the signed agreement back send them a check.