i actually tried one of these companies. They are legit but what happens is as they pat down your debt yous credit score goes down. I own a house so i refinanced instead. If you are really in a bind go for it because it will save your credit in the long run.

A credit bureau will not remove accurate negative information from your credit report before the legal time period has expired. Therefore, do not believe anyone who claims they can get negative information removed from your credit report faster than is legally required.

There are no “loopholes” or laws that credit repair companies can use to get correct information off your credit report.

No credit repair company can do anything you can’t do for yourself. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy.

The only way to rectify a poor credit rating is to adopt sound credit practices for a period of time.

Dont pay a company when you can do it yourself for less than 20 dollars. The key is having properly worded letters. It will be much more satisfying to do it yourself. If you are intent on paying someone, checkout the free evaluation form at the 2nd source website; they can get you into a program that is real, affordable, and effective. Good luck.