First, some quick background that everyone should be aware of: Your credit score isn't set in stone. It changes constantly and depends on your past and current payment history. While the cheapest, most guaranteed way to restore your credit is by making a long-term pattern of good financial decisions and paying off your debts, that can take a long time and most of us usually ruin our credit if left to our own devices. So, you can dispute certain claims on your credit report directly to the credit agencies, or you can work with your creditors to get them to reduce your payments.
Or, you can hire someone like me, and ask yourself just how far are you willing to go? See, I've been doing this work on behalf of other people for more than a decade and, well, I tend to get ... creative.
It Mostly Involves Pretending To Be Other People
Sometimes I have signed agreements to speak on behalf of my client, so I'm allowed to call on their behalf and make financial decisions. But it's often better to pretend to be my client. Even if it means, say, faking an accent.
You see, most debt collectors, banks, etc., are willing to forgive certain things if you've got extenuating life circumstances and are willing to call them about it. So right away, I try and get a feel for my client's circumstances -- if they've got a pregnant wife or a sudden death in the family, that's a great start. But if they don't give me anything to go on, well, I'll just have to make up a more sympathetic life for them. This involves some acting.
"Yup; got hit by a meteorite of space cancer last month, and apparently his workers comp doesn't cover it."
My mentor's strategy was to use a big, fake Hollywood-African accent whenever he got on the phones. He just stayed jovial and friendly and sounding sorta like Eddie Murphy's character in Coming to America. It worked, because people respond to friendliness, and they naturally assume that no good-natured foreigner has the cunning to lie to them.
Which has me wondering just how many Nigerian princes they've encountered.