Thank God they are not. Many Better Business Bureaus and governmental agencies think that most credit repairers operate outside the law. This belief has developed because too many credit repairers are only out for the money. There are only a small percentage of credit repairers that offer full service credit repair. If you want to be sure you get full service help, call 313-744-5977 or send an e-mail to [email protected]. Remember to ask how you can get your set of e-books for free.