National Foundation for Credit Counseling
You may want to reach out to the National Foundation for Credit Counseling, a nonprofit organization for more information and other ideas, tips, and strategies. You can also call them: (800) 388 - 2227. In general, a person should be wary of paying for credit counseling or repair since those can often be fraudulent. Going with a non-profit credit counseling organization is generally recommended by advocates in the field.