There are a lot of companies that claim to help people with credit issues that are actually scams. Most of the things these companies will do for you, you can actually do for yourself if you just take the time to do it. At least if you are taking care of your credit issues on your own you will know what to do in case issues arise in the future. I've found the benefits of giving my credit health a review from time to time really pay off. I can make sure that there is nothing fishy on my report and fix any problems myself. You really have to be careful with this.