Debt can be overwhelming, and when bills pile up, many people look to credit repair, debt consolidation, or debt relief services for a solution. Credit Repair. Find out more by reviewing BBB’s investigation of credit repair companies that fail to deliver on their promises. Before subscribing to any program, keep in mind, under the Credit Repair Organizations Act (CROA) in the U.S., credit repair services must give you certain protections, such as a written contract, description of services, cancellation period, and disclosure of all fees. Most BBB services to consumers are free of charge.