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Most people with bad credit have bad credit because they don't pay their damn bills and they have collections, chargeoffs, bankruptcy, foreclosure littering their credit report.
If that is you and they are real bills that you owe - you can't just pay someone to "fix" your credit, any company that tells you they can is likely lying. The only way to fix it is to start paying derogatory things off, have good open and active accounts that are paid on time and a long period of time for those things to drop off (5-7 years).
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Many men go fishing all of their lives without knowing it is not fish they are after.
~Henry David Thoreau
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