What About Credit Repair Companies?

I am asked about credit repair companies quite often. In full disclosure, I haven't personally worked with them. I just know that MOST credit reports I see don't require hiring a credit repair company. In most cases, it's a matter of paying off or making right some past wrongs, getting on time payments and current debts reflecting on your report and cleaning up some inaccuracies that might appear. It's a HUGE industry making a ton of money so listen it to see if credit repair is something you need to pay for. You might be able to correct and improve some things on your own.