Bad credit, good advice
If the problems in your credit files reflect actual late payments, nonpayments, tax liens or foreclosures, don't look for magic or miracles. No legitimate "repair" service can make them disappear permanently.
Most serious credit issues are likely to remain in your files for three years to seven years, and bankruptcies and foreclosures for as much as a decade.
On the other hand, if your credit files contain erroneous information, it's a different dynamic. Either you or an organization that specializes in credit assistance can contact the sources of the bad information and get it corrected on your national bureau files.
But under no circumstances should you pay money upfront for credit-repair services.
Remember, you can always go to a HUD-approved nonprofit housing counseling agency for free (or in some cases, low-cost) advice about credit issues.