If your credit is suffering and you have no idea how to fix it, then you need professional credit counseling. The industry has been built by the needs of everyday consumers in situations just like yours. Professional credit counselors know what to recommend for credit repair and they know what habits and patterns to look for in helping you conquer your debt.
Is it worth is to pay a Professional Credit Counselor?. Money is obviously tight already, but regaining your financial health is going to cost a little more money in the short term for the long term results you want.