text: Credit card companies?  They are not in the business of helping you rebuild your credit.\n\nDo you mean credit repair agencies?  They are scams.  \n\nThey offer to do work for you that you can do yourself!  But they want to charge you hundreds of dollars for the privilage.\n\nRead the links below for info on how to rebuild yoru credit.   Contact me if you need more help, advice, or encouragement.\n\nI'm not a lawyer or credit counsoler.  I'm just someone who has been down this road before, and helped others too.