The credit repair service, or credit counseling service, in the USA has acquired some bad press over the past couple of years. This is because there were numerous cases of credit repair companies who have misled people and abused the trust of their clients.

This has lead to a backlash with numerous guides and tips cropping up everywhere to persuade people that you can repair your credit score on your own. The idea behind this is that most credit repair companies do little to improve your credit rating, instead, they rather focus on debt management counseling and debt reduction. This is a good thing, but not the same as improving your actual credit rating. In fact, if your credit repair company .. READ THE REST HERE