A $13,942 Credit Card Debt – Mom’s DIY to Remove Negative Items From Credit Reports

As a DIY work at home mom, I decided to remove negative items from my credit reports without getting help from credit repair clinics and attorneys. Initially, I did think of hiring the credit experts to do the tedious tasks of deleting negative items off my credit reports. But with my existing $13,942 credit card debts, paying hundreds or even thousands of dollars to credit agencies or services to repair my credit is simply out of the question.