*Loan,banking and credit>>>credit repair

How can I succesfully repair my own credit ?

Do credit repair companies work? I want to build or buy a house for my family .This is no joke , I have seven kids . So it's very important that I get a good P.M.I. and a good interest rate or I'll never be able to afford it. I make about 60k a year , but one of kids had to have 5 brain surgeries right after she was born and this ruined my wife and my credit . Any suggestions would be appreciated. Please , serious stuff only.

I am a loan originator and deal with people who have bad credit on a daily basis. I would suggest getting a copy of your credit report. Then making sure that there are no duplicates or closed accounts affecting your score. If there are you can call those places that have been dawdling in taking them off your credit report. Pay things on time and try to get rid of as much revolving debt as possible. If your credit is bad now you may need to wait a couple months until you can correct all of the above problems and bring your credit score up to where it should be. I hope I helped to answer your question if you have any more concerning your credit scores feel free to contact me through my yahoo email. P.S. A credit repair company can raise your scores but you most likely won't see the results until the process is over, they can really affect your score negatively while the repair process is taking place. Just put yourself in the lenders position. Would you lend money to someone going through a "credit repair"? I suggest trying to do it on your own first.

pay off all your Bil's
Get a card and pay the high interest. When they see you paying interest your score will slowly improve. Then you get better interest rates. Start with a sears card if you have to.
life experience, reading
Be very leary of the so called repair companies. They say they are non profit, but they make a commission off of every dollar you send your creditors, they have deals with them. Also alot of those places are just offering chapter 13 in a fancy way. Of course, in your situation, that may not be a bad idea. Do you have any CD's or IRA's that you can cash in and pay the stuff off maybe?
It all comes down to paying your bills on time. After doing this for a while, it will improve
Get a new copy of your credit report from Experian(1-800-509-8495), and find out what you have to dispute. Then obtain a dispute form from the government, file the disputes. Then see what happens.