Can I fix my own credit?
Yes.

No one can legally remove accurate and verifiable negative information from a credit report. The law allows you to ask for an investigation of information by filing a dispute of any information that you deem to be inaccurate. According to the Fair Credit Reporting Act (FCRA):

• You're entitled to a free report within 60 days of a company taking adverse action against you, such as denying your application for credit, insurance, or employment. The notice will provide you the name, address, and phone number of the consumer reporting company that furnished the credit report. You're also entitled to one free report a year if you're unemployed and plan to look for a job within 60 days; if you're on welfare; or if your report is inaccurate because of fraud, including identity theft.
• Each of the nationwide consumer reporting companies - Equifax, Experian, and TransUnion - are required to provide you with a free copy of your credit report, at your request, once every 12 months per the Fact Act.
  The three companies have set up a central website, a toll-free telephone number, and a mailing address through which you can order your free annual report. To order, click on annualcreditreport.com or call 1-877-322-8228.
• You can dispute mistakes or outdated items for free. Under the FCRA, both the consumer reporting company and the information provider (that is, the person, company, or organization that provides information about you to a consumer reporting company) are responsible for correcting inaccurate or incomplete information in your report. To take advantage of all your rights under this law, contact the consumer reporting company and the information provider.