There are two ways known to man for fixing damaged credit reports.
These techniques have their own core strengths that make either of them appealing to different people.
The methods for repair of a bad file are either the self-help method or the repair agency technique.
Considering that you want to know which direction you should take to repair your file, I'll explain the advantages of both over the other so that you know which one suits you best, or appeals to you most.
Self-help: This is a technique that a number of people opt for when they have to fix their file but would rather save the money that would be paid to a professionally operated repair agency.
The benefit of this method, also known as the do-it-yourself technique, is that it is handled by you, the owner and as a result you have your own fate resting in your own hands.
It saves money since you don't have to pay an agency.
The downside, however, is that you will have to sacrifice some good time reading the necessary books that will put you through what exactly needs to be done in certain areas and with certain negative accounts for maximum impact.
But remember that nothing free actually comes free.
By mere wishing for a free gift even requires spending some mental energy, however small.
Repair Agency method: if you're the type that cannot go through the process of poring over books or writing dispute letters to credit bureaus challenging them to remove negative accounts from your file, then this method will appeal to you.
The good part about this one is that you have repair experts doing the job for you.
The everyday experience they get from fixing thousands of bad reports will come to bear on your own file and thus make the process faster compared to you handling it yourself.
The ultimate decision of which one you prefer rests solely with you.
However, you shouldn't put off until tomorrow what you can get done today.
Good luck!