Answer: -I've used them in the past briefly, becuase I didn't have the time to deal with collectors. They worked out for me in the time that I had them removing several items from my reports. Now that I have more time, I've done it on my own, which you can do. The trick is that you need to know your credit rights and how to use them to your advantage. -I quote from the 2007 edition of the Consumer Action Handbook "Credit repair companies advertise that they can erase bad credit for a hefty fee. Don't believe them".There is nothing that any lawyer can remove from your credit report that you can't do yourself.Get your free copy at www.ConsumerAction.gov It will tell you everything you need to know for free. -I have used them for 8 months my credit file had 88 errorswhen i started with them. Now each of the 3 credit files have 2-4 errors each almost done . I would recommend them please remember it takes time no instant cures.