TopicAnnual credit report @ http://www.creditreportcheckscore.co.uk
You should do definitely be able to do anything to fix it. Why do you pay a credit repair service for something you can so easily do with very little effort? You can write free credit of your own will, it will be in the letter put a lot of myself, perhaps, the repair letter would be better than those written by experts.
Before you can write a letter, you need to know what to write about first. You are, by obtaining a copy of your credit report, you can achieve this. It's free to ask, for more through the repair of credit, but you need to get each of the copy, you will be selected from any of the three large credit bureaus dealing with the United States claims can do.