Why communicate with a third-party if it doesn't help your credit report?

If "third party" indicates a credit repair agency, please be advised. Such agencies cannot do anything that the debtor cannot to for themselves. If the defaulted debt(s) reported to the credit reporting agencies are valid, they cannot be expunged until the required amount of time has passed.

Please do not let representatives of aforementioned agencies pressure you into using their company as a way to "mend" a credit report. It simply is not possible.

Debt consolidation agencies are a different matter. The consumer should approach all such action with caution and only become involved when/if he or she completely understands all the conditions of entering into such a contract. Never agree to a written or verbal contract regarding such (or anything really) that is not completely understood and acceptable.