Answer: -It depends what you mean. For someone to offer to "fix" your credit for a price, that's illegal. It is possible to clean it by removing false items if there are any and getting current on your accounts. -No one can "repair" your credit - the only things that works is paying your bills on time. -Yes it's legal.Don't shell out big bucks for it, just go to your local bookstore and pick up a book or two on the subject.There is nothing 'bad' about it other than it takes time, effort and often quite a bit of postage.The good thing about it is that once you've repaired your credit, you will end up saving a good deal of money every time you need credit.some other good things about it is that you could end up paying less for automobile insurance, find it easier to get a job, a car, pay less in interst in car loans, et cetera. -Yes, it is quite legal.Good - They can often get things removed that should not be there, occasionally they can even get things removed that should be there but they were filed incorrectly. They can sometimes add 100 points or more to your credit score.Bad - They can be expensive, as much as $1500 and sometimes can't help your credit score very much, maybe only raising it 25 to 50 points. -If you've screwed up your credit, there are no quick fixes. There are lots of companies who will take your money but the only way to fix bad credit is to settle bad debt and build a history of on time payments. It takes years.