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Would you like to know how to max your credit scores the right way? If, yes, then permit me to share this with you... There's absolutely nothing a credit repair service can do for you that you can't do for yourself, at little or no cost. Yes, nothing! And that includes deleting wrong information. And you will agree with me that hiring a credit repair company can be a bit expensive, ranging from hundreds to thousands of dollars. You see, on April 1, 1997, the Credit Repair Organizations Act came into effect in response to the proliferation of credit repair scams. In effect, the act ensures that companies offering credit repair services: Do not take consumers' money until they've fully delivered the service promised. Provide their clients with a written contract that outlines the services to be provided including the terms and conditions of payment. The act allows consumers three days to withdraw from the contract. Are not allowed to suggest or ask that the client misleads credit reporting companies about their accounts or change your identity in order to alter one's credit history. Cannot consciously make false or deceptive claims with regards to their services that they are offering or are capable of offering. Cannot demand that you append your signature to any document that states that you are forfeiting your rights under the Credit Repair Organization Act. The truth is, there is no quick fix for your credit. Negative, but accurate information will stay for 7-10 years on your credit report. But then, there are some steps that you can take to polish and set up a more positive credit history and boost your credit scores. It is also important to note that a bad credit affects you now, and in the years to come. A bad credit score has a negative impact on everything ranging from hire purchasing to obtaining a mortgage.