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Credit repair companies are companies that promise to repair your credit (for a fee).  There is nothing that a credit repair company can do for you that you can't do for yourself.

The Federal Trade Commission (FTC) warns against believing advertisements which promise to fix your credit. There is no quick fix.

If you do deal with a credit repair service, be sure the contract at least has a period of three days during which you can reconsider without owing any money.

If you need help, consider contacting a legitimate nonprofit Credit Counseling Service.


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