i've been contemplating purchasing a home, but have a low fico score. a mortgage co referred me to a "credit repair" co, and that co offered to negotiate settlements to pay collections, etc., and would get most deleted. payment is $1900 split into 2 months; is it worth having them do the legwork? i know deletion of items is not guaranteed, even if i negotiated with the collection agencies (and i do have a lot). my fico would go up within 3-4 months. advice would be appreciated. thanks!
