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The Federal Trade Commission has a Credit Repair Organization Act that protects consumers from scams. Read thoroughly through the bylaws that may or may not favor your personal credit score, before signing with or paying for a credit repair service.

US Today’s Christy Bieber published her thoughts today in an extended article, citing different scams that credit repair companies will use on unsuspecting consumers.

Read more here for some do’s and don’ts when it comes to choosing a credit repair service if one is even needed.

Sources: USCode.House.Gov, Federal Trade Commission, USA Today,, Credit Karma

By Marc Charles of Money Talk Radio