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Updated almost 16 years ago,
720+ FICO in 6 Months
I personally worked with a credit repair company and they have helped me clear up negative inquiries off my credit. You see a lot of companies that say that they could clear up your credit in 30-45 days I've even seen some that say they could do it in a week I found a lot of them would say anything to get their phone to ring. You could do it yourself that's how I learned about it, I find it a little easier to let a legitimate company do it for me. The fees could be a little expensive but if you have 100's of thousands of debt it is definitely worth it. You have to take your time and weed out all of bad companies and you'll find some good one.