The More You Know…

Credit Bureaus: The Big Three.
Equifax  –  Experian  –  TranUnion

Credit Reports: You are entitled to one free credit report per year.
Free Annual Credit Report 

Credit Repair Organization Act (CROA): 
“This Act, Title IV of the Consumer Credit Protection Act, prohibits untrue or misleading representations and requires certain affirmative disclosures in the offering or sale of “credit repair” services. The Act bars companies offering credit repair services from demanding advance payment, requires that credit repair contracts be in writing, and gives consumers certain contract cancellation rights.” – Federal Trade Commission

Georgia Credit Repair Laws: In the state of Georgia, credit repair companies are strictly monitored.  
“There are many other individuals and organizations the law does allow to provide you with credit repair assistance.  Lenders, banks insured by the FDIC, and nonprofit organizations can give you credit repair advice.  In some situations, a real estate broker, attorney or registered financial advisor may also advise you.”
– Georgia Department of Law
GA Dept. of Law Consumer Protection