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can you really hire somone to repair your credit after debt setttlement

There are credit repair companies and some debt settlement companies can assist you in helping to try and clean up your credit. While I am no expert, I believe the credit repair process includes writing letters to the credit agencies and clearing up any misrepresentations on your credit report.

Once you become debt free your debt to income ratio falls which can help your scores but that is countered by the fact that you went for months (years) without paying your bills during the debt settlement negotiation process so that damages your scores.

I’d imagine that a good credit repair program after you emerge from debt settlement can ensure that your credit scores improve as fast as possible given your circumstances but that does not mean that your scores will improve fast. It still may take years for enough time to pass for your credit to really get back to where it was. You need to prove yourself and that takes time.