Anyone ever try to use a credit repair company to improve their credit such as remove chargeoffs, delete inquiries, late payments, etc... Did it work? How much did it cost? Which company did you work with and how can i contact them? How long did it take for the results? Is it legitiment, please people dont play guessing games, i need people with first hand experience, i want to improve my credit asap to improve my credit score to make myself a better candidate for student loans and a better interest rate but i dont have huge money to play experimental games, i need only companies with proven records and students who received such assistance first hand. Please give as much detailed info as you can. I appreciate the help so much!
(PS some of the stuff i want to get rid of are late payments on credit cards, 3 chargeoff, and late medical bill, late on student loan for 90 days)