DO NOT TRUST credit repair companies that charge you hundreds of dollars before performing services. It’s illegal to take your money before service is rendered. The FTC shuts down fake fly-by-night credit repair companies every year that are in the business of scamming innocent folks. Don’t get ripped off!”“

If you’re looking for REAL CREDIT ANSWERS, there is only one legitimate company that has been in business since 1991 and served over half a million clients.

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Consumer Facts

How to Spot a Credit Repair Scam - Tips to Avoid Getting Ripped Off

Avoid NON-LAWYER credit repair companies - In other words, MAKE SURE to hire an affordable credit attorney or law firm who specializes in credit report correction.

An attorney can employ an arsenal of credit laws such as the Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), and the Fair Credit Billing Act (FCBA).

A credit repair attorney has access to legal databases, specialized training, and recent case law developments in State and Federal Law.

Would you like for a non-lawyer to argue non-existent laws on your behalf when handling credit repair for you?

A credit repair lawyer can and will represent you in a court of law if your case requires judicial intervention. Non-lawyer credit repair companies have no recourse to fight for your rights if a creditor or credit bureau refuses to remove bad credit information.

Avoid Companies Who Demand Thousands of Dollars Up Front - The FTC has shut down hundreds of “fly-by-night” companies who have taken innocent people's money without rendering any services. Stay away from any service who asks you to pay thousands of dollars up front before doing any work on your case.

Reputable credit correction law firms requests an affordable “first-work” fee of $99 and allow you to cancel your service at any time.

Reputable credit repair attorneys will also offer a risk-free refund policy in the event that you are dissatisfied with the results.

Avoid Credit Repair Techniques Requiring a New Social Security Number - Obtaining a new social security number or engaging in other suspicious identity changing techniques are illegal. You may go to jail.

The only legal way to clean up bad credit is to dispute questionable credit listings with the credit bureaus, negotiating with your creditors and/or paying your bills on time.

Consumer Protection Links and Resources

Federal Trade Commission - http://ftc.gov - The FTC provides information and tips on how to recognize a credit repair scam, your rights regarding credit repair, the Credit Repair Organizations Act, and steps to take if you are the victim of a credit repair scam.

Obtaining a Free Copy of Your Credit Report - http://gofreecredit.com - you are entitled to one free copy of your credit report each year. Here you can access all three credit reports and scores online.

Lexington Law Firm - http://www.lexingtonlaw.com - Lexington Law is a consumer advocacy law firm which focuses on protecting consumers who are the victims of questionable credit reporting by credit bureaus and creditors. Lexington Law Firm has been in business since 1991, has a solid reputation with the Better Business Bureau (BBB), and has served over half a million satisfied clients.