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Repairing your credit is achieved by getting caught up on late payments and not doing things which hurt your credit in the past. First thing would be to get a copy of your credit reports from all three services and make sure the information on them is accurate. Anybody you hire to "repair" your credit cannot get rid of any information on that which is accurate. You not need to pay somebody to help you remove any wrong information- but it may take you a lot of time and effort to contact the bureau and perhaps the lender who reported the false information and follow up to be sure it is corrected.
Legitimate financial mistakes you made will stay on your reports for a certain amount of time- sometimes up to seven years as in the case of bankruptsy. All you can do is wait on that and avoid those mistakes in the future.
If you have had problems with payments, you can try to get a loan to consolidate them and pay off the worst ones for a hopefully lower rate. Again, you do not need a specialist for that but should be able to contact your bank or other lender about that. If you pay off a loan or credit card, do not close the card or account but keep it open- one of the things they look at is how long you have had a certain credit and how much credit you have available vs how much you owe. A higher percent of credit available not borrowed helps increase your credit score.
This is off the top of my head- but you should be able to find more information on the internet about it. In most cases they should be things you can do yourself and not have to pay someone else to do for you.
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