There are plenty of companies out there that claim they can turn around your credit score in no time.
But the Better Business Bureau says it's important to do your homework before using those services, to avoid falling victim to fraud.
Credit service organizations offer advice to consumers for a fee.
They advertise that they can improve your credit rating, or even help you obtain credit.
Another service is debt management companies that, for a fee, will help over-extended consumers with budgeting and repay their debt.
The Better Business Bureau recommends consumers look out for unrealistic promises of quick debt reduction, or a short time span to repair bad credit.
Also, watch for high up-front fees.
Those are usually red flags that the firm is not legitimate.
Finally, make sure the agency you are working with has a local staff and office available to answer your questions.
And remember you can always research the company at BBB.org