Keep in mind that you should never have to pay money for a service before it is received and you have right to see all paperwork regarding case. So ask for all agreements in writing and carefully examine documents to be sure that you are not participating in something that is illegal. If you are still thinking of using a credit repair service, contact state Attorney General and Better Business Bureau to determine if company is legitimate. If you have previously purchased a credit repair kit or been a victim of a credit repair scam, you should also contact state Attorney General to report crime. The best way to repair you credit is through time and effort. You can do it, but nothing is going to fix your credit instantly.

* How much does it cost? Many less-than-reputable services charge hundreds of dollars to start up, money that doesn't go to any of your creditors.

* Does service notify credit bureaus about your enrollment in their program? Some do and some don't. Creditors may still elect to put a bad mark on your credit report, but agency you are looking at for debt relief shouldn't.

* What services are offered? Do they offer a range of solutions from trouble-shooting before finances are a big problem to debt management. Beware of companies promising too quick a solution or promising to "fix" your credit report.

* What are benefits of belonging to one particular group over another? For example, some services offer newsletters and budgeting tips, all to help you become more stable when your debt is paid off.

* Are they a member of Better Business Bureau? If that is not advertised, check them out with BBB first.

With time, patience and diligence, you can become debt free.