Credit Score Management

i need to refinance my home soon. Is there any way to start a credit repair?

Can anyone really improve their credit score by self help books, software? Or do you need to go to an expert?

I hit a really tough time about 2 years ago, it started with the birth of my daughter and loosing my job afterwards. It seems like terrible luck has just been following me! Is there a best way to go about repairing credit? I heard consolidation was not excellent.

I want to remove the bankruptcy from my credit reports as soon as possible.

can someone please tell me a real credit repair company ,and how do o know if there real are fake ? i’m trying to repair my credit so i can buy my first home.