Any credit repair company that promises to remove legitimate bad debts from your credit history is lying. Under the Consumer Credit Protection Act, such information remains on your credit report — which determines your credit score — for about seven years. Shady credit repair firms often deluge credit bureaus with frivolous disputes to make bad debts disappear — but only temporarily. For help, check out the National Foundation for Credit Counseling at 1-800-388-2227 (nfcc.org), which represents agencies that can advise about a plan to improve your credit score.
Sid Kirchheimer writes about consumer and health issues.