is it better to have a company do the work or do it myself?

I personally think there isn't anything that these other companies can do that you cannot do it on your own.

However, I agree that each is a case by case basis. If you really don;t have the time to put into the research etc, then it may be something for you to consider talking to a company that can do this type of work for you.

It will also depend on what type of things you are looking to do as well. Can you give us some more information on what your goals are to clean up your credit?

Being that you are a registered member, it would be best if you called the number on the right of the screen for your free no obligation consult. Perhaps they will be able to guide you in the proper direction for your specific needs.