Information cannot be immediately removed from your credit report, even if you have paid off a debt you previously defaulted on. Even though it will eventually help your credit repair by having paid off the debt, the fact remains that you defaulted and can remain on your credit record for several years.
Credit repair companies can do nothing to improve your credit reporting that you can't do for yourself - you should research on the internet as you can often carry out a low cost credit repair yourself.
Avoid credit repair companies that ask you for payment before carrying out a credit repair.
It is illegal for credit repair companies to offer credit repair services but request payment until at least 6 months after they have helped with your credit repair.
If you'd like a guide to repairing your credit then please visit Here
If you have a bad credit rating and need a loan then try Here
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