Credit repair contains an impressively negative connotation. It is open to a great deal of scams and it is one of the most investigated financial industries. As a consequence of such problems a law was passed governing credit advancement entities, the Credit-Repair-Organizations-Act (CROA). In part the law states:

The Congress makes the following findings:
* Consumers does experian have customer service (Check This Out) a crucial interest in establishing as well as maintaining the credit worthiness of theirs as well as credit standing in order to obtain as well as use credit. As a result, people with experienced credit problems can look for assistance from credit-repair companies that offer to improve the credit standing of such customers.
* Certain business and advertising and marketing practices of some business enterprises engaged in the business of credit repair services have worked an economic hardship after customers, especially those of limited financial means and that are inexperienced in credit matters.

* The uses of this particular title are:

(1) to make certain that prospective buyers of the services of credit-repair organizations (CROs) are offered with the information necessary to produce an informed decision about the purchase of such services; and
(2) to safeguard the public from unfair or deceptive business and marketing practices by credit repair organizations.
In spite of this law there still are many credit-repair organizations which are not following the law. Make sure that any credit repair organization that you decide to make use of is in fact legitimately offering credit-repair services that meet the CROA.