Credit Repair Agencies?

any thoughts on these guys?

Credit repair agencies extend their services to customers who wish to clean up their credit files. More often than not, these organizations can charge from $200-$5000. They are not allowed to charge for their services up front; doing so would be a violation of the Credit Repair Organizations Act. They can only receive payment for their services after their duties have been completed.

Credit repair organizations typically search for information that can potentially harm your credit such as late payments or delinquencies, judgments, bankruptcies, and the like. They serve as arbiters between you and the credit reporting agencies. However, you can actually clean up your credit yourself; it may be time-consuming on your end, but why pay when you can actually do it yourself? It will save you hundreds of dollars and you can use the funds towards your bills instead.

Credit repair companies are also required by law to give customers a full and detailed description of their companies' services in writing. Should the customer decide not to push thru with the credit clean-up procedure, he/she can cancel the contract within three days from first applying. They will not be required to pay any pre-termination fees if done so.

And I agree with Karess, You can actually dispute the errors on your credit report yourself. The Fair Credit Reporting Act gives you the opportunity to do so. Credit repair agencies aren't allowed to remove any negative but true information on your credit report. You really need to wait it out until the period is over.

Halo Credit is legit and helpful not to mention reasonably priced!

So I assume they are one of the credit repair agencies that were mentioned in the previous posts? What exactly did they do for you, I am curious?

From what I understand credit repair agencies don't do anything you couldn't do yourself.

Legit, right, but they have an F rating with the Better Business Bureau.

If the charge in advance they are breaking the law, who would trust a company that can't even comply with the very same law tha regulates it's business?
Only o few companies are legit, the only one that I know is not asking for any advance is bcrconsulting, they charge per account deleted, nothing to get started.