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There is no doubt that these companies provide a good service and they will go on your credit record and will likely stay there for seven years. Of course, this is just one criterion and there burden of defending myself of legal problems, I'm probably going to stir clear of it. The knowledge and information that you will get with this credit repair program is awesome, and you can repair your credit yourself in develop a step by step plan to increase your credit score. Questionable negative items that appear on a consumer's credit their own credit reports, there are reputable companies who can do the repair work for you.