Robert,

The CRN program typically does not require credit repair upon completion.

The debts that are settled are no longer reporting a balance owed which has one of the needed impacts to begin to improve your credit. The effect of zero balance reporting has been immediate for some of our members and can take some time for others.

You can read “debt relief vs credit score” on the Debt Bytes blog to learn more.

Also, the CRN materials contain recommended methods to rebuild credit while implementing a debt settlement strategy and credit building tools for after your settlements are complete.

There really are no recommendable credit repair companies in our view. Sure there are outfits like Lexington Law, DSI Solutions, Sky Blue credit Repair Services, National Credit Fixers and others, but they will do nothing for you that you cannot do for yourself. You can actually do a better job at building credit yourself, than by hiring someone to send canned dispute letter on your behalf.

You indicate that you “Tried consolidation on my own”, so you are already a Do-It-Yourselfer. If you found DIY debt consolidation not too daunting a task, DIY credit repair will be even easier.

You can come back to this post on the Ask CRN page and add additional comments on this, or other questions. We invite you to share information about your progress and get feedback along the way.

Best of Success!