There are different kinds of credit repair companies, but they really do not help. Always try to improve your credit card debt by your self and not by the help of any credit counselors. Actually, they only promise to get you out of the debt but they seldom do. There are some credit counselors, who pay off your bill for the credit cards debt after the due time, and in this way, you have to pay fine for the late payment. Therefore, settling credit card debt by your own means is the best option. Using Rebuild Credit Credit Cards during this approach can also be helpful.