I want to fix my credit. But the lenders, debt buyers, lingo, terms, etc are overwhelming. Who can help?

I need someone who will explain things to me in this way:

“This company bought this debt from this company. Thats why it is on here twice,” and stuff like that.

I also want someone that has enough experience to say “Paying this debt off is NOT going to fix your credit score. Besides….its going to fall off your report in two years anyway.”

I understand that credit consolidating companies ONLY consolidate my credit. They dont bother with drafting “Pay For Delete” letters and actually trying to RAISE my credit score.

Basically I need someone to take my credit reports and come up with a master plan. I want a financial advisor, I guess!

Dont anyone understand what I need????

PS – I am in Chicago

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