Credit repair companies are scams. ALL of them! The only person who can repair your credit is you. The only way to repair it is to pay your bills on time and to make good on your past debts. There is no escaping this.
WRONG. There are legit companies that for a fee will improve your credit.
Yes ...there are a lot of scams out there. Probably more than legit ones.
But you can still have great credit score with no history or shitty income ...you're not getting a house or a good rate on a car.
The credit score system is a fucking scam ...in order to get good credit you have to go into debt. You have to take a loan with interest and pay it off to make someone else rich.
A family I know that owns their house and has their cars paid off as of the last 4-5 years and doesn't use credit cards has a score of 680. Which isn't good ...but they pay their utilities, phone, insurance on time every month. There should be a better "credit score" system out there without going into debt to raise your score.