Let's Talk Credit Repair...
Credit repair companies are businesses that offer debit consolidation loans, debt counseling, or debt reorganization plans that guarantee to stop a creditor’s collection effort against you. One thing you must know is that these companies are established to make money so you need to be very careful when dealing with these people. I will suggest you don't deal with them at all, but if you need some help at least pick a good non profit company to work with.
Caution: if you are having trouble paying your bills, you may be tempted to turn to one of this companies that claim to offer assistance in solving your financial problems. Before you sign up with any of credit repair company you have to investigate them thoroughly. You have to really understand the services that the business provides, AND what it will cost you each month before signing up with them. Make sure they have a written contract that explains all this in detail.
Most consumers that engage the services of these businesses do end up actually getting more problems in the long run. It’s very important that you check the office of the Better Business Bureau to be sure the company is not a problem child. If there has been a complaint about this company previously it's probably best that you do not ask them to help you.
You also need to know that businesses offering credit repair services may charge substantial fees or even a percentage of your debts and fail to deliver on their part. Their fees will add to your debt each month if they are not a trustworthy company that will actually help you. Even though it is a debt problem that can be distressing to you, you have to be really careful when selecting a solution that fits your needs.
I suggest you avoid these traps at all cost, and work on your problems yourself instead. Not only is it cheaper, but it is a much better solution.