Credit Repair Guidelines

How do I get the collection agency to send me a letter; clearing them off my credit report?
I am currently in debt $ 4000. I am now in the process of negotiating debt with my creditors. I was told that I needed to talk with them in order to come up with a settlement amount. Also, I needed to ask them if they could in fact send me a letter stating that they will remove the debt from my credit report once the debt has been received. A lot of the creditors stated to me that they won’t do this until they in fact receive the amount of the settlement. I don’t know if I should turn to a credit repairing agency or what. The oldest debt is around 3 years old, so the 7 year statue of limitations wouldn’t apply to me. I was also curious about how long it would take my credit score to go up after I paid off the debts. Could someone give me some guidelines to this entire Credit Process. Serious answers please… It is also going to be difficult for me to get a second job because I have a 5 month old and a 2 year old and already work full time and my husband works full time swing shift!
Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service – creditreport.imess.net
Home Loans, and Credit Repair
