There are many legitimate , non-profit and community based counseling organizations that provide much -needed service to those who are having credit issues. These are not "credit-repair" companies and are definitely not to be confused with those who promise to wipe your credit clean for a fee. That is not possible. The only one who can repair your credit is you. These reputable organizations help you do that and only fee is a very minimal fee to pull your credit report. If you are hesitant, contact the better Business Bureau to check on the company.
Here's is a list of some local, reputable organizations
Housing Partnership of N.E. Florida 398.4424
Family Foundations 396.4846
Jacksonville Urban League 356.8336
Second Chance Help Center 616.3113
Wealth Watchers 380.4292
