You've probably heard financial advice wizards tell you that you can get started repairing your credit on your own, without using a credit repair agency to help you. But not everyone is a born lawyer with negotiation skills and a willingness to beat down the bank for a better deal. For those of you who want to know how to work on your own credit repair, here are some debt negotiation tips you can use. If all else fails, you can always call a credit repair company - why not try to do it yourself first and save money? Read more »