Credit repair organizations are generally businesses that, for a fee, will advise consumers on methods they may employ that, if successful, could remove derogatory information from their credit bureau reports, thus making it easier to obtain additional credit. The Fair Credit Reporting Act was enacted to protect consumers from abusive credit reporting practices and to establish a fair and reasonable framework within which commerce could safely continue to be conducted with consumers on a credit basis. Each of the three national credit reporting agencies (Trans Union, Equifax, and Experian) and affiliate credit bureaus serviced by their networks, as well as remaining locally owned an operated credit bureaus, have consumer relations departments who are trained and certified to assist the consumer public in understanding the information contained in their credit report. If you have been denied credit within the past 60 days you are entitled to a free disclosure from the reporting bureau. Otherwise you are able to obtain the disclosure for a small fee. No one, including a credit repair organization, can represent that accurate information can be removed from your credit report, regardless of whether or not you pay a fee. Information reported about adverse credit experiences with you will automatically be deleted as they become obsolete under the FCRA. Only the passage of time and the prompt payment of your accounts can legally improve your credit history.

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