Answer: -YES!! You are your own credit repair, a company can't do anything you can't do. My article below explains you are your own credit repair and credit manager. -The beef about credit repair services is that they are charging for something you can do for free.The only reason to use a credit repair service is if you simply have no time to do it yourself.I do not feel they are scam, but they do make allot of money off of people who could have done it themselves, but where convinced it was too difficult. -However the industry has been tainted by the businesses that did nothing but send multuiple disputes in the hope of removing them from your credit. Don't fool yourself. If you didn't pay your bills there is nothing Robert or his company can do for you. His group CAN help if you have ligimate errors and it IS a good service. Remember only time and good financial management can fix credit. No one likes hearing it, but paying your bills and not maxing out credit is the best long term solution.