Bob: I was recently asked if I would consider offering credit repair services. Response: (Adapted from one of my heroes–Dave Ramsey): Absolutely not! Damaged credit can only be “restored” over time in one of two ways: (1) clean up your debt by paying on it, or (2) ask to have inaccuracies removed. If you see something that isn’t accurate on your credit report, YOU can write a certified, return receipt requested letter to the credit bureau. Specify the inaccuracy on your report and that they have 30 days to correct it or take it off (they’ll take it off since they can’t correct it because you never did it). When you think that a credit repair company can straighten your “stuff” out and do credit repair, that’s when you tend to get ripped off. You cannot have bad credit taken off your credit report legally unless it’s inaccurate. Do not hire a credit restoration service company under any circumstances.