Credit repair agencies will protect your right as a consumer to have a credit report that is accurate and fair. The agency will contact the credit bureaus dispute questionable items on your credit reports. If the credit bureaus are unable to verify the accuracy of information found on your reports, those items must be deleted. There are many scams associated with Credit Report Agencies. If an agency promises to remove derogatory, but accurate items on your credit report- -beware. Those promises are false and usually a sign of an agency trying to get your money with false promises.