Is repairing my credit legal?

Absolutely! If Credit Restoration was illgal we would not have the Fair Credit Reporting Act (FCRA)which protect you the consumer and the FCOA Fair Credit Organizations Act! (a law that governs credit repair companies)

The Fair Credit Reporting Act was designed specifically to provide a way for consumers to force the removal of erroneous, outdated and unverifiable information from their report.

Additionally, The Credit Repair Organization Act (CROA)was passed to govern credit repair companies. If providing credit repair advice were illegal there would be no laws governing how to operate a credit repair company within the law.