There are tons of online resources and guides. credit repair services exist to make money, they make their. It's best to do your own repairs. Credit repair services exist to make money, they make money with their customers, also known as you.
Therefore, if you pay them to repair their credit, you are spending money that could otherwise be used to pay off their debts. Which is all a credit repair service is going to do. I've never recommended hiring one to anyone, so I'm curious to see how much some people have benefited. Yes, you can dispute it with the credit bureaus and it will be marked as such on your credit report, but it is still calculated in your credit score.
In short, try to work directly with creditors, see what options they offer. If you go with a company so that you only have one payment, go to multiple creditors, contact NFCC. Don't go with a company you've heard about through a cheesy radio commercial. Canceling a collection account may not help your credit score and, in fact, could harm it, as it will likely age the account again and stay on your credit report for 7 more years.
The credit repair games I have chosen to play were only necessary because I was stupid when I was younger. With that said, I was looking for credit repair solutions and found a business that could magically eliminate all the negative elements. Never pay someone else to repair your credit or pay for information on how to do it yourself. I've heard that it shows that I've been able to handle credit and that my available credit isn't high, so my credit score should improve.
I have a friend in the mortgage business and he constantly refers people to a credit repair company that solves their problems faster than they can do it themselves so they can get a home. In 1992, I researched consumer credit laws, cleaned up my own credit, and wrote a book called The Consumer's Guide to Credit Restoration. They recently posted a secured credit card that uses your loan balance to get started, so it becomes another credit card on your report after 3 months. I used to think that credit repair was an abusive practice and that people should do it themselves, but when you have a full-time job or an entrepreneur, you don't have time to deal with the details.
All they did was send letters on my behalf and the credit accounts I had returned my mail saying that a third party was trying to block my credit report. I started a credit repair company after dealing with companies like Lexington Law and feeling like they were taking advantage of me.