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Credit repair companies advertise that they can erase bad credit and create a new credit identity legally, all for a hefty fee. Don't believe it. No one can legally remove accurate and timely negative information from a credit report. No credit repair company can do anything you can't do for yourself for free. Only time, hard work, and a personal debt repayment plan will improve your credit report. 

If you need assistance, you have several options.  Credit counseling services provide assistance to individuals having difficulty budgeting their money and/or meeting necessary monthly expenses. Many organizations, including credit unions, cooperative extension services, family service centers and religious organizations, offer free or low-cost credit counseling.

The National Foundation for Consumer Credit (NFCC) has 700 affiliate offices in all 50 states and Puerto Rico that provide money management techniques, debt payment plans and educational programs to help consumers learn to budget and use credit wisely. Many of its members are locally managed, nonprofit agencies.  To locate the nearest NFCC member office, call toll-free, 24 hours a day, 1-800-388-2227 or visit its web site at www.nfcc.org.