Should I try to negotiate with my creditors on my own or should I hire a credit repair lawyer?

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How can I tell if a credit repair service is legitimate?
What are the credit repair laws in my state?
Are there any scams or frauds associated with credit repair?
What types of documents do I need to provide in order to dispute an item on my credit report?
Can I repair my own credit without hiring a lawyer?
What is a fair credit reporting act?
Are there any tips or tricks that can help me successfully repair my credit?
What is the process for repairing my credit score?

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