With all of these "so-called" credit repair companies offering a "quick-fix" or guarantee to raise your score, who is truly benefiting from them? Why are there no companies offering help to "low-income", poor-credit individuals who are struggling and want to repair their credit? I know a lot of people having this problem and I can understand how they feel when you can't get anything in your own name. There should be a bill passed to help with said individuals. I mean hey, I'm not bashing the next, but help these days only seem to benefit middle-class individuals.