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I hear credit repair companies are scams is this true?
I have 4 creditors I settled personally with and paid them off I noticed 2 creditors stated they charged off my balances owed. I know for a fact this is not the truth I worked with 2 collection agencies and settled for a pay off amount. Both creditors received the settled amount checks. Late fees and interest charges were subtracted off. I checked all 3 of my credit reports and sent a disputed report explaining that both creditors were settled. I gave the settled amounts to the credit agencies. I have read that no company can repair your credit report it is just a scam to take your money. Let me know if this is a true fact.

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