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There is probably nothing more mysterious than wondering how your credit is calculated. Many people who are in need of buying a car or a home with less than perfect credit often fall victim to credit repair scams. There is no quick fix for repairing your credit. It takes work and diligence. Anyone claiming they can remove negative items completely is misinforming you.

You should regularly check your credit for inaccuracies or discrepancies. Many times there are items that get on your credit report that shouldn’t be there.

You see the advertisements in newspapers, on TV, and on the Internet. You hear them on the radio. You get fliers in the mail, and maybe even calls offering credit repair services. They all make the same claims:

“Credit problems? No problem!”

“We can remove bankruptcies, judgments, liens, and bad loans from your credit file forever!”

“We can erase your bad credit — 100% guaranteed.”

“Create a new credit identity — legally.”

The Federal Trade Commission (FTC) says do yourself a favor and save some money, too. Don’t believe these claims: they’re very likely signs of a scam. Indeed, attorneys at the nation’s consumer protection agency say they’ve never seen a legitimate credit repair operation making those claims. The fact is there’s no quick fix for creditworthiness. You can improve your credit report legitimately, but it takes time, a conscious effort, and sticking to a personal debt repayment plan.