Your credit score is a numerical representation of how reliable you are as a credit user.  A low credit score tells potential lenders or credit grantors that you may be a risk.  The resulting higher interest rate and/or credit terms could result in hundreds or thousands of dollars of wasted money to you.  Of late, other industries have begun using credit scores as an indicator as to a person's character.  Consequently, low credit scores may lead to higher insurance premiums or missing out on being hired for a job.

Yes, in fact it's your right under the law to have a credit report that is 100% accurate and that complies with all the laws.  However, it is illegal for credit grantors to post erroneous or obsolete information about your credit performance to your credit report.  In fact, credit grantors are not required to post information to your credit report.  If they do so, however, it must be accurate or it must be removed.  That's another place credit repair professionals can be of value to you.

Fee stucture varies per company.  Technically, you can do it yourself for free.  Of course, you could technically give yourself a dental root canal for free, too.  There's a time and a place for professionals in our lives.  You should try to fix your credit yourself first, but if you lack the time, effort, patience, or expertise to do it yourself, by all means get help. 

We have ample free resources on this site to help you get going on your own.  We offer up-to-date self-help books from industry leaders.  We also have links to professionals whose help may make it cheaper for you in the long run.  It's all here, so make sure you bookmark this site or tell a friend about U.S. Credit Academy. 

Yes, you will need knowledge, expertise and patience.  We recommend you follow these simple steps:

1. Study the information we give you for free on this site.  Do what you can on your own first, then proceed to these other steps if you still need help.
2. Purchase a couple of books and study them.  Follow the action plans as set forth by those authors and do not quit.  Your credit is too critical than to allow it to be less than perfect.
3. Sign Up for our Free e-Newsletters and Reports to keep on top of industry trends
4. If the tasks prove to be too much for you, Get Professional Assistance.

Yes, because our primary goals are to help you and to educate you, we have a vast amount of help here on the site, including lots of free tips and advic and even a self-help library.  However, like flying an airplane, what's simple in concept is not always easy in application.