Credit-Repair: Beware of bogus Credit Repair Companies

So-called "credit repair" companies claim they can remove negative
information from credit reports. Advertising as "Credit Advisors," "Credit
Rating Correction Services" or "Credit Consultants," they trumpet
variations on this message: "Turned down because of bad credit? We can
help!" Many of these companies charge hundreds if not thousands of dollars
for the promise to "clean up" bad credit reports. But the truth is, these
companies can only do what you could do yourself--at no charge.