In virtually all cases, signing up for credit repair is a snap. You simply fill out a short form with your name and address and then choose a service level (if appropriate). You’ll then enter your credit card information to start your subscription. The initial charge may include a “first work” upfront fee and/or a fee for retrieving one or more of your credit reports. Make sure the company clearly states that you can cancel at any time. Also, some companies may be willing to postpone your upfront fee until after your initial consultation. In many cases, you may first receive a free consultation before signing up for the service. The next step will be for a credit expert to contact you once the company has received your credit reports. In many cases, the company will run your reports through software to identify potential items to challenge. Based on your credit situation, you and your credit counselor will map out an action plan for the first month, and you’ll pay any fees due. As with many questions in life, the answer depends on your individual circumstances. Know from the start that no credit repair firm can guarantee results. They understand that your credit reports may be relatively clean to begin with, and, therefore, limit the amount of improvement possible.