If you pay someone to fix your credit what happens is you are poorer. No one - NO one can 'fix' your credit. If there is an error on your credit report it can be fixed for free, by you. The forms to print off, & mail back are on the major credit reporting web sites (Equifax, Transunion, etc.). If your credit is bad it stays that way for 7 - 10 years, but will slowly improve as you pay off debt. Anyone who charges money to fix your credit - avoid!