Bad credit and a bad credit score can be the stuff of nightmares. It restricts many of your freedoms, including lowering your chances of getting a loan or a mortgage. Some employers even reject job applications if you have bad credit.

If you’re in such a situation, credit repair might seem like a reasonable course of action. The process is legal and allows you to maintain credit that reflects your financial reality.

However, before you call the first number you find for a company that promises