If you want to take charge of your own credit repair, here are 2 resources I found to be really helpful:

1. Credit and Collection Success Strategies - This digital book was written by Kristy Feathers, a former top collector with over 20 years of experience in the credit industry.

For $39.95 you get a great book packed with information regarding collections rights, credit bureau stalls, creditor abuse, statues of limitations, debt settlement tactics, letter writing, how to really improve your credit for life, and more. There are also 44 sample letters written by the author herself.

The book comes with lifetime unlimited access to a members only area with credit educational resources that include every topic from expired debts, collection agency abuse, legal resource center with state and federal links, articles on debt validation, FDCPA, FCRA, credit errors, dealing with original creditors, judgments, tax liens, charge offs and more.

All in all, this is a great resource for better credit.

2. Credit Score: A Definitive Guide - Written by another veteran in the credit industry,  Michael V. Cathey, this is a great guide to understanding your credit score: how it is calculated, what damages it, how to raise it. The book costs $9.95 and comes with a 100% on the spot refund guarantee if you decide it's not what you had expected.

There are a lot of other great resources out there. If you don't like what you see here do a search on the web. Find something that would work for you. Make sure it's a legitimate offer and then start. Remember: "It doesn't matter where you are coming from. All that matters is where you are going." (Brian Tracy)