If you don’t want to fix your credit reports yourself, a legitimate credit repair company can do the job at reasonably affordable prices. Most of these companies provide a free consultation with a credit expert to explain what the company will do and how it can help you. If you want to proceed, you can sign up for a monthly subscription (usually six months long) that you can extend or cancel at any time. Many credit repair companies offer different service levels, so your credit expert will review which one makes the most sense for you. You should understand the cost of each alternative, including any one-time signup fee. Make sure you understand what services are included in the subscription fee and which are extra-cost items. Standard services include: Examining and summarizing your credit reports Sending formal dispute letters to the credit bureaus and creditors on your behalf Following through on each challenged item until it is resolved Providing customers with educational materials and personal finance tools to help them manage their credit