credit repair companies or not?

[Stephen Moore]

are credit repair companies really worth it? I need to fix mines badly,looking for recommendations on doing so

[Jake Matthew]

As far as I know , there are no legal ways to "repair" credit besides paying off your outstanding debts and keeping your payments current. You can legally dispute negative items on your report if they are reported incorrectly. Some of the credit repair companies will dispute negative items over and over even if they are legitimate and accurate in an attempt to get them removed. This may be a way to improve your scores quicker, but could get you in trouble. Coming out of college I had a terrible credit score, but after a few years of paying back the legitimate debts and getting inaccurate items removed, I am 750ish on all 3.