Nadya, I've always referred my clients to Lexington Law and I've seen vast improvements. I also had one of my former co-workers in the mortgage business use them as well and they loved it. There are 2 programs you can choose from:

Monthly program: http://www.lexingtonfs.com/
One time program: http://www.lexscore.com/

They are only available to clients of mortgage bankers or brokers. You can use my banker ID: 10825 to receive more info.

It's pretty painstaking to try and clean up your credit yourself. I suggest hiring a trusted firm to help you through the long and tedious process.