What are credit repair services — and are they worth the money? (www.cnet.com)

All the pros and cons of paying someone to fix your credit.Blemishes on your credit report, including late and missed payments, are no joke. They have a direct impact on your credit score, which can be the deciding factor as to whether you’re approved for a new credit card, as well as how much you’ll pay for insurance and your mortgage. Bottom line: If you’ve got problems or errors on your credit report, you need to resolve them as soon as possible. 

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