Answer: -Normally I recommend that you do not mess with credit repair services if you can help it. Many are a scam. They charge you hundred of dollars to do stuff that you can do yourself.Your case appears to be a little more complex. You need instant relief (which I seriously doubt you will get). Not only do you need to work with your current creditors, you would want to work with the mortgage company. They seem to be very unreasonable about their demands to clean up your credit report.You may need the help of a trained negotiator. I don't know your current income situation so I can't be of much more help here.Read the links below and decide what you would like to do. -Best try to clean it up yourself. Sometimes, it reflects poorly on your credit when you have used a credit repair agency. In fact, my real estate agent told me not to use one UNTIL I had closed. I guess it looks as if you can't handle your own debts. So, you might be okay to seek some advice, but not their services. -The money you pay a credit repair service is better used to pay the debt. Most creditors will negotiate. Decide how much you can pay and when you talk to them, stand firm.