The appropriate response is perhaps - however, they can't do anything that you couldn't do yourself, for anything. BUT you obviously may not be that much familiar with rules and regulations as much as these credit repair companies have. Anything on your report that is cutting down your FICO rating will remain on if it's exact data. So if a company guarantees fixing credit score fast and evacuating negative data, for example, a bankruptcy statement or judgment, and they need cash in advance to do it - run. Specialists say that exclusive time, exertion and a strong arrangement for reimbursing your obligations will enhance your credit-value. There are a lot of obnoxious administrators out there in the credit repair industry, so be cautious. Numerous customers have lost hundreds if not a large number of dollars to con artists who take their cash and do nothing to enhance their credit. Here are some notice signs, as per the Federal Trade Commission: T