conversation: User (AlchemyAlice): "I'm considering using a credit repair agency to help me boost my credit score.  Does anyone have direct experience with some of the more popular companies such as [Lexington Law,](http://www.lexingtonlaw.com/) [Sky Blue,](http://www.skybluecredit.com/?gclid=CNvK4O-Mka0CFUqb7Qod7kcTmw) or [Dsi Solutions?](http://www.authorizedcreditrepair.com/?_vsrefdom=gaw-dsi-solutions-credit-repair&amp;gclid=CKXk-5mNka0CFUqb7Qod7kcTmw) \n\nTypically, you pay them a monthly fee (this varies by company and service level you choose) and from their 'testimonials' many people see results in 6 months to a year.  I'm not experienced enough in these things to successfully do it myself.  I'm curious to see if any Redditors have actually tried these services.  \n\nThanks in advance."
  Self: "Credit Repair Companies are scams to take advantage of people already in dire straits. \n\n[The FTC does not look favorably upon them.](http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm)"
  User (AlchemyAlice): "Doh.  I should have thought to check that myself.  \n\nThanks for enlightening me."
  