You can repair your own credit. You may decide that is your best option. You have the right to do it on your own and it will only cost you time and energy.
But if you don?t have the time and energy, say for example, you have a life, a home, a career or job, a family, hobbies, other things you enjoy that need your time, things to do, things to learn, experiences to have?..and you don?t want to spend your valuable time doing credit repair on your own, you will want to look into the services of a legitimate, reliable and trustworthy credit repair service. They are out there. Just do your research first because there are scams out there also.
But either way you may want to check out these Facts for Consumers from the Federal Trade Commission.