Francisco - I guess the issue lies in your question? Pay someone to "fix" your credit. I'd say NO. Pay someone to help improve your score, yes. It is not like your credit is broken and needs to be fixed. I think its more like your score is lower than you would like and you want to improve your score. Let's get this straight. If negative hits on your credit are accurate NO ONE can help remove this info, point blank. Period. Only time will. There are folks (credit counselor) that can teach or show you how to improve your score by looking for incorrect reporting on your score across the three credit bureaus. Canceling accounts that you no longer use or haven't used in years, etc.. Each persons situation is different and I agree with Credit Edit below that should you decide to have some help improve your credit, go to someone who specilaizes in this field. Your credit score/health is too important to seek advice from someone who is not an expert. That's not to say that you couldn't do it yourself but if you do get help seek a professional in that field. I mean you wouldn't go to a dentist to get advice on an earache, would you?
Jason Stevens, GRI,ABR
Kevin Flynn Realty, Inc.