Answer: Personally, for $1500 I would make time to do it myself. Sounds like I need to get in that business. -Take the $1500 and pay off some of your smaller bills. This will improve your credit rating. Then, make sure to pay a little on your other bills as often as possible. Any payment is better than no payment. -You can do credit repair yourself. All you have to do is go in and order all 3 credit reports. Then you call and dispute all the negitive things on the report. This is the exact same things they are doing. After you dispute these the creditors have so many days to return the information that the credit bureau sends out. Most businesses never return these, therefore they take it off your report. The credit repairing company is not guaranteed to work. It is easy to do it yourself!! Do not file chapter 13!! That is the worst thing you can do!! -I have never heard of that company, but that doesn't mean anything...I Do know that you can't "wipe" your credit clean with money (other than paying things on time)...I would check it out more before attempting anything. -I've not heard of this company but having been a financial advisor for 15 years I do know that it is impossible to "clean off" a credit report. Time and doing the right thing are the only things that improve a credit report. Spending $1500 for whatever services that this company offers is not a wise idea. If the items on your credit report are valid, they cannot be removed. If the items are not valid you simply need to contact each party and request in writing that they be removed. They are required to respond to your request. This company, Trinity Credit probably does some kind of service but I'm certain that it isn't what you are thinking they will do.