Not having all the facts or what her credit report looks like, I will provide the official opinion of the Federal Trade Commission, "Don't bother". According to the FTC, "the customer winds up with less cash and the credit report remains unchanged". According to the FTC The U.S. Attorney in conjunction with States Attorneys General have launched an operation code named Operation Eraser. This operation is designed to identify and close down what law enforcement considers one of the biggest scams being conducted against the American public, repairing credit histories. To date 31 companies, throughout the U.S., considered to be bogus have been sued. The FTC reports that thousands of consumers are bilked out of millions of dollars annually and have nothing to show for their payments. The FTC claims there is no such thing as a legitimate credit repair company and that if one ever presents itself to them then they will retract that statement. So far they have not had to worry about a public apology.

A credit report can legally be restored if the information reported is either incorrect or older then 7 years from the date that default is reported. This, however, can be done by the debtor for little or no cost simply by requesting a copy of your credit report and reviewing the information for accuracy.

The U.S. Attorney states that it is illegal for a credit repair firm to promise that they can have truthful, timely remarks deleted from a credit report. What law make this illegal? The Credit Repair Organization Act of 1996.

The U.S. Public Interest Research Group found that 40% of all credit reports generally contain some type of error. Therefore, it is sound advice to get a credit check up annually just as you would a medical check up.

I wish you well.