Legitimate Credit RepairLegal credit repair
Statements like "We'll help you eliminate any bad information from your credit report" should fly a big pink banner that as many people as possible use just as a PR effort to get as many clients as possible excited.
Are the credit repair processes or not? Could we do it ourselves or do we have to commission a firm?
If you should employ someone or do it yourself really does depend on your circumstances. When you have articles that are clearly in the wrong, and you are willing to do some research on your own, this is probably something you can do yourself. But if your circumstances are more complicated, such as adverse elements like mortgages, bankruptcy, or written-off bank account, you can work with an experienced team.
Even if you have bad points on your credit that are correct (i.e. you really paid too late or filed for bankruptcy), a credit repair shop can be useful because litigation can go on for a while. If you choose a credit repair business, choose one that has special expertise in the Fair Credit Reporting Act, perhaps a lawyer's office, and not casual "experts" who simply accidentally type litigation for you.
It depends on what it says on your credit reports. DR: Credit repair is something you can do alone, but it makes good sense if you need to get an experienced professional to do it for you.