Hey dudes, We hear about this all the time. In fact you see their ads on TV. I am talking about credit repair. Is it right for you? Should you do it? Before we answer that, lets go over some concepts.

First of all what is credit repair ? In a nutshell bad credit repair attempts to take negative marks off of your credit history. Then, what is credit restoration ? Credit repair and Credit restoration are synonymous.

Everybody wants negative marks off of their credit repair. Beware that there are companies that will scam you. They say they will improve your credit score, but really don’t. If you feel you have been a victim, you can file a complaint with the FTC.

Now that I am done with all this, if you still want to fix your credit; go ahead; but you have been warned. The question is, how to repair credit ? You can hire a credit restoration company, aka credit repair service. There are some that are non-profit, and but most of them cost money, and are for profit. There are many free credit repair websites out there. Most of them are do it yourself credit repair types. However, the first step on your road to credit recovery is getting that free credit report , to see what is actually in your credit history.