As a former Collection agent, and as someone who used a Credit Repair company to fix my own credit, I can tell you that there are good ones out there and they do work. I work for one now. First off, the statue of limitations in Calif. for a collection account is 4 years from the first date of delinquency on a written or oral contract. So many collection agencies will manipulate consumers into paying an account that is no longer valid, then all they do is report the balance a s paid while it still hurts your credit. Second, there are certain steps that we as a credit repair company take and professional backgrounds we have that do give us an advantage over the average consumer.
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