Conventional wisdom has a near-unanimously poor view of "credit repair," as did I until I engaged 101creditbooster services. They're indispensable! A primary reason people advise against credit repair/financial advice is that " you can do it yourself for free." There are a million things we can do ourselves "for free" or at low cost quite easily (like hair color or painting houses) that we opt to outsource for two main reasons: one is that professionals do a better job, and two is that it takes us non-professionals far longer to achieve mediocre results.