Share your insights or perspective on the financial matter presented in the input.

Should I use a credit repair agency?
Repairing your credit takes time. Companies that offer to do it for you (for money) generally succeed mostly at getting money from you. Nonprofit agencies will help you with advice and encouragement and will not want money from you.  They may be able to help you apply for a consolidation loan, but to be honest that is rarely the best first step. Over time, you need to The last step may happen months or years after the first two.