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The fallout from the sub-prime fiasco continues. People who managed to get themselves in a situation where they have taken off a bigger bite than they could chew ended up ruining their credit. If you are one of these people, you might want to consider a credit repair service.

I have found this website recently that seems to be doing a good job with that. They are located in the Dallas area, but they are taking on clients from all over the country. What credit repairentails is that they will consolidate your debt into a single monthly payment. It is usually a lesser amount than what you originally owed, since they will negotiate on your behalf. If your credit is still decent, this not the way to go, since it will adversely effect your credit score. But if the score is already bad, you have nothing to lose, but the principal you owe.

If you decide this is the right path for you, they can repair credit efficiently and with no effort on your part. All you have to do is to fill out a form, and they will evaluate your situation. Sometimes they are successful in persuading the credit reporting agencies to remove the derogatory information form your history all together.