Don't shell out for services you can get for free (or for a few bucks)
Property Deeds
Your home's title is on record at the local courthouse or city hall. If you want a certified paper copy, just head to the county clerk or recorder's office. The cost is typically less than $2 per page or $10 total.
Credit Repair
They may charge $5,000 or monthly fees of $100, but there's nothing credit-repair services can legally do that you can't do yourself for free or at low cost. Your best bet is to dispute—at no charge—any inaccurate information by directly contacting the credit bureaus yourself. Get instructions by typing "credit repair" into the search window at nolo.com or ftc.gov. You can also try negotiating with your creditors directly and offer to pay outstanding debts if the black marks are removed
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