One of the misconceptions is that it takes a professional to repair your bad credit.
In actual fact there is absolutely nothing that the professional or company can do (legally) that you can't accomplish yourself with time, and the right information.
The problem with a lot of people who find themselves in need of such bad credit repair, is that they are emotionally attached to the situation and find it difficult to overcome this attachment to see clearly.
Some do, but the majority do not.
Some companies offering credit repair services will promise to remove any negative marks from your credit file.
The reality is that if the information contained within your credit report is incorrect, incomplete, or blemished in another way, you have the right under current law to dispute the information with the credit reporting bureaus.
The bureau then has a set amount of time to remedy the errors or remove the listing until the facts can be established.
This is simply a matter of obtaining a copy of, reading, and understanding your credit report, and does not need the input of any professional.
If on the other hand your credit report is bad, and all of the details contained in it are accurate, you have no right to dispute the information, and it is there to stay until the law dictates otherwise, or the debt is settled.
No company or professional can remove or have removed, information that is deemed to be accurate.
Even though if you are in the position of needing to repair your credit file, you may be or feel vulnerable, it is very important to make sure that scammers do not sense and feed on that vulnerability.
If you can mange to overcome whatever emotional connection you have with your overdue or outstanding accounts, and deal with the situation in a timely fashion, you can achieve everything that a professional can, without the cost or the risk involved.
It is certainly worth thinking about.