A credit repair company does not have any rights that you dont in disputing information on your credit reports. The FTC warns against using credit repair services that guarantee they can remove negative information thats accurate or say they can help you establish a new identity using a credit privacy number.

What should you not do when repairing credit?

10 Things Not To Do While Repairing Your CreditNot repairing your credit at all. Disputing everything on your credit report. Hiring a credit repair company. Canceling credit card accounts. Playing the balance transfer game. Cutting up your credit cards. Missing some credit card payments in lieu of others.More items

Can a credit repair company raise your credit score?

Credit repair companies often promise to help remove negative items from your credit reports, which could help improve your credit scores, in exchange for a fee.

Can I pay the original creditor instead of the collection agency?

Even if a debt has passed into collections, you may still be able to pay your original creditor instead of the agency. The creditor can reclaim the debt from the collector and you can work with them directly. However, theres no law requiring the original creditor to accept your proposal.