There are companies that will fix your credit up for a fee. There are many of these types of companies out there and if you decide to use one of them you should really try to do your homework and research them before paying them a fee for their service…

Although you might think you only need to fix your credit report by talking to Equifax or one of the bureaus, you’ ll have the best luck if you also contact the creditor. Generally, you’ ll want to speak to the billing department because they are t…