Many credit repair companies may advertise for your business saying, Credit problem, no problem", or We'll get rid of your bad credit, guaranteed," or Remove bankruptcies, liens, judgments, and collection items from your credit". All these may be tempting offers for individuals who are having credit problems, but the fact is, the majority of credit repair companies charge high fees for promising to do something that you can do for yourself. What's worse, many of them vanish with your money without doing a thing. For more information about credit repair companies, go to the following website: http://www.ftc.gov/bcp/conline/pubs/credit/repair.htm