Answer: -NO NO NO. you should NEVER have to 'pay' anyone to 'fix' your credit!! just be smart about it. pay current bills on time. don't accumulate new debt. work at paying off old debt. contact creditors directly and explain the situation they may work out a better deal with you. sometimes you can pay off credit card debt at a lower settlement. But you do not need to pay anyone to do this! -Please read the Federal Trade Commission link (below) on credit repair services.If you must use a credit repair service, go to the Department of Justice link (also below) and find one of the ones they have approved of for debt counseling. At least you have a decent shot of getting an ethical one that way. A lot of them are total ripoffs. -I will keep it short and simple. Credit Repair is a gamble. Credit Repair companies try to dispute all remarks in hopes the creditor cannot produce the proper paperwork to defend themselves. If you owe someone money, they will produce the paperwork. Now, if there are actual inaccurate remarks, thats another story. Pay off or settle your debts and start rebuilding. -Try http://www.newmillcredit.com It's a lot of info that you may not be aware of. Maybe you can find what you are looking for. And yes it is true. You can do it yourself. It just takes time and patience.I am the owner of this company ( New Millennium Credit Repair )and we do well because we are honest and upfront. We educate the customer on consumer credit laws and we don't lie to them just to get paid. We perform a service and we help the customer in the process the legal way. Be careful though because some companies are rip-offs. I hope my site helps you out.