Credit repair seems to be the buzzword today. With our economy taking a long ride on the recession train, it seems that dozens of new credit repair companies spring up every week. This leaves the consumer with a sometimes terrorizing ordeal of trying to make the right decision concerning having an outside source repair their credit.

You obviously must be very careful when choosing the right company to help you improve your credit. Let's look at some of the warning signs to help you avoid the scam artists who are prevalent in this industry.

Number One- If a company or individual wants a large fee upfront before any work has been done, run, don't walk to the next exit. Many of these predators charge $500-$2500 upfront and are making a very good living doing absolutely nothing! Buyer beware.

Number Two- Avoid the pushy salesman who wants to rush you into a decision. Legitimate credit repair companies already understand the pressures that are on consumers today and our respectful of the individual making an informed decision when they are ready.

Number Three- Do your homework! Check them out on the Better Business Bureau's website to see if there is any derogatory or negative information on the company. Many times I've discovered several complaints lodged against a company and gone elsewhere with my business. Also be aware that not every business will be listed in the BBB's database. You can check out a business at http://www.bbb.org/us/Find-Business-Reviews .

Number Four- Go to Google.com and do a search for that company to see if there is any negative information floating around cyberspace. Many times you will find great information about a company to help you make your decision.

Number Five- Ask the credit repair company if they have any referrals of people that don't mind being contacted to see if they were satisfied with their services. Most of them won't give you any because they keep their customers private, however listen to the way they respond to you. Sometimes their tone and demeanor will reveal a whole lot about the company.

In my experience, the legitimate companies that are doing great work for people to improve their credit are extremely hard to find. Years ago, I personally went from enjoying an 824 FICO score down to below the 500s because I lost my business. I was determined to restore my credit, so I will went about educating myself on the credit industry. I have since restored my credit and enjoy helping other people do the same without being ripped off.

One company that can help you tremendously in helping to restore your credit is CreditMac.com . I have found them to be honest and reputable and incredibly reasonable in their pricing. In fact, they don’t charge people without providing professional services, they don’t charge flat monthly fees or large up-front fees. Additionally, CreditMac.com does not lock you into long-term contracts.

I give them my highest recommendation.