Credit Score Management

What is it that credit repair agecies do to get things removed that i cant do myself. I have appt. with a repair agent but am on the ropes on wether i want to use the service or not. I mean he says it will take 45days to get things removed which sounds like he is just writing dispute letters.

I have been aswering questions for people on and off of the Internet and I have gotten at least twelve people asking me to help them with their finances. I am thinking it might be worth it to start a credit repair company. Most people are willing to pay $50 -$70 a month for my services. What should I do?

I have checked my credit score in the past, but, it required me to sign up for some service, check my score, then call and cancel afterward. Is there a way to avoid this process and just check it for free without the hassle of having to cancel a service?
Of course I never had to pay money to do it, but it is still a pain to have to call and cancel.

I’m looking for testimonials and experiences with credit repair services. I’ve been looking into Fowler & Fowler CRS which has been associated with the BBB for 10 yrs. I know that they cant do anything i cant do myself but i dont mind paying a 3rd party if they can get the job done well. I know they dispute everything negative on your report. Again im looking for real experiences not cookie cutter advertisements for a CRS. I can tell so dont try it. Thx

I need to fix my credit, and there are people on E-bay and elsewhere who guarantee the full restoration of my credit. Are they legitimate?