Credit repair services use little known loopholes in the credit reporting laws. In a nutshell, federal law allows you to dispute any listing on your credit report that you believe is wrong or improvable. By submitting a dispute to the credit bureau, this puts the burden of proof on them to prove what they have reported and in a timely manner. In many cases, they are not able to prove what they have reported, so they must remove it from the report (even if it actually is true!). They must then update the credit report and the credit scores. You can go through the process of repairing your credit yourself which can be a pain stacking process. Alternatively, credit repair companies know all the tricks of the trade to successfully perform credit repair. If you don’t have time and patience to go through the laborious process yourself, sign-up with a reputable credit repair company.