Sadly, fraudulent credit repair companies are everywhere.

The Federal Trade Commission (FTC) is the agency responsible for enforcing consumer laws
in the United States. As such, they offer the following advice to consumers so they can
better protect themselves from companies that engage in deceptive practices.
  • Avoid any company that wants you to pay for credit repair services before they
    provide any services. It is against the law.

  • Avoid any credit repair company that will not tell you your legal rights and what
    you can do, yourself, for free.

  • Avoid any credit repair company that tells you not to contact a credit reporting
    company directly.

  • Avoid any credit repair company that advises you to dispute all of the information
    in your credit report regardless of the situation.

  • Avoid any company that suggests creating a “new” credit identity – and then, a
    new credit report – by applying for an Employer Identification Number to use
    instead of your Social Security number. That is against the law.
If you follow illegal advice and commit fraud, you also may be subject to prosecution.
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