Omar,
You can definitely do it yourself, I did. I went from a 573 to a 645 in just 3 and a half months. Here it is a year later I am at a 680. It was a little time consuming because of the letters I had to write. The most I spend was the $3 per letter to send them certified to the collection agencies.
If at first you don't succeed... hang up and try again!!
