A lot of what you say is true but not all cr services scam. I agree some of the big names for credit repair online are the worst out there. However, I charge for cr and have for over 16 years w/ a 100% success rate. Re: 70% of reports having errors, my estimate from the 1000′s of reports I’ve seen is more like 99.98% . One more thing , one can’t just send letter after letter out to the same bureau in the same 30 day period without getting penalized or hit with “frivolous” labels.

The problem is most people who want “credit repair” have trashed their credit and still want more. I worked in auto and personal loans, some people just never hot it thru their head that negatives that are valid stay. The only real way to “repair” a credir report is time.

Gov’t Data is a lie and a fraud in cahoots with the Blankfein’s of
WallStreet, manipulating the “American free market”, credit swaps
high frequency trading, flash orders, naked short selling, cdo’s
Goldman and Obama are in bed, Summers, Benanke, Geitner are frauds
Jobs exported your labor de-valued to Zero to screw you into debt
Walk away from your CC cards and (underwater) mortgages
FICO scores are a scam to enslave you and keep you in debt
Get out off paper.Don’t be sheeple. Fight back!