As you may or may not know, millions of people find themselves in need of credit repair. Often these people are embarrassed by their situation, or ashamed of having poor credit. We at Embark Credit Services are not here to judge, as we realize that unexpected things happen and credit difficulties can occur unintentionally. Sometimes, those in need of credit repair are people who have gone through divorce or separation, have joint accounts, co-signers or authorized users, often causing reported information to the three primary bureaus as incorrect, incomplete, obsolete or simply not in agreement with data reports by the creditor or debt collector.