There are credit counseling services that are free of charge. Check into those.
Check with the Attorney General’s office and the Better Business Bureau for complaints filed on company.
If you are asked to sign a contract, Make sure you read and understand before you sign; there could be hidden charges, etc.
Check with your creditors to make sure that the creditors will work with this agency.
Be leery of companies that promise to repair your credit. These companies can not do anything that you can’t do yourself to repair your credit.
Check with the company to make sure that you will have access to payment records for payments made on your behalf.
There are several ways these credit repair scams claim they can help. For a fee they will offer to:
Clean up your credit record. Only you can do this, and it takes time, patience and a personal repayment plan. No one else can speed up the process or do it for you.
Offer you a Visa or Master Card even if you’ve been turned down by banks. Sometimes you must call a 900 number at a cost of $25 to $50, and you still may not receive a credit card.
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