Anything a credit repair company can do legally, you can do for yourself. That said, there are a lot of things in life you can do yourself, but someone with experience can usually get better results.

Not all credit repair company can offer the same level of service, and none can "guarantee" your credit rating will improve. But you should consider using a credit repair service if bad credit is holding you back from buying a car, house, boat or any major purchase.

If you have had trouble paying your bills in the past, and have now got your life back on track and are living within your means, then a credit repair program can make your life even better.