Those of you looking to either buy or refinance a home, or apply for any type of credit may be having challenges because of items that are on your credit report. A credit restoration agency more or less will help file paperwork with creditors on your behalf. A restoration company will walk you through the process and handle any hiccups that might come up as items are being removed.An increase of even 20 to 25 points in a credit score can mean the difference between an OK rate and a great rate.