Can Credit Repair Companies Really Improve My Credit Report?

Whatever the state of your credit report, don't lose heart. Some creditors are willing to look at your more recent credit history, so as long as you keep showing improvement, a past problem might not set you back. If you're still struggling, consider using a non-profit credit counseling service to get back on track. If you go this route, ask your local consumer agency, financial institution, military base or other trusted source for a recommendation, or check out the National Foundation for Credit Counseling, www.nfcc.org, the country's largest non-profit credit counseling service, with 90 member agencies nationwide.

(Sources: Federal Trade Commission, Consumer Financial Protection Bureau, Illinois Attorney General, Experian)

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