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Credit repair is to improve your credit score and get you back on track financially after past credit problems, it is a major part of debt consolidation and an option at the more and more people are taking advantage of.

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FICO scores range from about 300 to 850 and exhibit a left-skewed distribution with a US median around 725. A score above 720 is considered to be "good credit," and a score below 600 is considered to be poor.

In many parts of the world, identity theft is the fastest growing offence. However, in the USA, a longitudinal 2005 study by Javelin Strategy & Research showed that the crime had leveled off since a 2003 study from the Federal Trade Commission was released in 2003. The most recent US Javelin data also showed that 9.3 million individuals (or 4.25% of all adults) are victims of identity fraud on an annual basis. In the United Kingdom in 2005 the consumer group Which issued a report claiming that one in four people had been the victim of identity theft, or knew someone who had been a victim.
This misleading claim (linking victims with those who know victims in a single statistic) achieved wide publicity. The Home Office in Britain does not collate data on identity theft, but does, nonetheless, claim that the activity is reaching epidemic proportions.