Philadelphia is one of the poorest big cities in the U.S., so it’s not surprising that some city residents, many of whom are African American or other people of color, have problems with their credit.
Many people turn to credit repair firms, especially when they want to buy a car or a house, or raise a family. Lately, credit repair firms have made big news in the U.S. as state and federal officials have cracked down on their alleged shady practices.