If I go through a Debt repair company would it mess up my credit? I went to a website www.careonecredit.com. I mean it sounds too good to be true. I'm young and have about 4000 in debt. (I know pretty bad huh?) I wanna get it paid off so I can get a house in the future and have good credit! =P. But would it be better for me to pay it off my self or just go through debt repair company? Thanks!!

My husband has 8 negitive things on his credit report in all totaling about a whooping $400 dollars. Most are so old they are going to fall off in the next year. He has 4 accounts in good standing. So my question is if he pays these debts off with a pay to delete agreement, will this improve his credit and his score dramatically or will it not have much effect, right now his score is only 572.