Online Credit Repair Secrets - Has anyone ever used a credit repair service,do they work.?

Has anyone ever used a credit repair service,do they work.?

Credit is bad, can any one tell me if credit repair services really work.

I was told that they are just as harmful to your credit as a bankruptcy. I don't know if they work. We went ahead with the bankruptcy because the debt was so great and if it is going to look just as bad on a credit report then we are wiping it out. Good luck though whatever you do. I hope it does work out for you.
Credit repair is a scam. I quote from the 2007 edition of the consumer Action Handbook " A lot of credit repair companies advertise that they can erase bad credit for a heft fee. Don't believe them. If the information is accurate, only time, hard work and a personal repayment plan will improve your credit score".
a small loan consolidation with low interest is the best . works. I found interesting information about your answer & options here. http://all-debt-consolidation-loan.blogspot.com/2007/07/loan-consolidation.htmlGood luck!
you cant pay someone to repair credit. it's a scam.
Yeah, I used a credit repair service and they worked out really well. I would recommend them to anyone because in less than a year my score went way up, and I can now get a credit card if I need one. I'm much smarter with my money and credit now, it totally raised my awareness and knowledge on how to keep my score high. Check them out at http://www.idealhelpnow.com
I used a do-it-yourself kit I accessed online for less than 20 bucks. I got results and a better score plus the satisfaction of knowing I did something for ME. Check out www.creditrepair101site.comm