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The Scam
Everyday, companies nationwide appeal to consumers with poor credit histories. They promise, for a fee, to clean up your credit report so you can get a car loan, a home mortgage, insurance, or even a job. The truth is, they can't deliver. After you pay them hundreds or thousands of dollars in fees, these companies do nothing to improve your credit report; most simply vanish with your money.
Do not confuse us with these companies. Our service is nothing like that!
Their service provides absolutely nothing of value. In fact following their advice can get you in some serious trouble.
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What the Government says about the others
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Here's the sort of unscrupulous and illegal methods the others use, which, by the way, don't work:
- They only concern themselves with what your credit report says - we add years of perfect payment history.
- They do not tell you your legal rights and what you can do for yourself for free. If there are errors in your credit report, you can fix them easily yourself.
- They that recommend that you not contact a credit reporting company directly.
- They suggest that you try to invent 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. This can land you in prison!
- They advise you to dispute all information in your credit report or take any action that seems illegal, like creating a new credit identity. If you follow illegal advice and commit fraud, you may be subject to prosecution.
You could be charged and prosecuted for mail or wire fraud if you use the mail or telephone to apply for credit and provide false information. It's a federal crime to lie on a loan or credit application, to misrepresent your Social Security number, and to obtain an Employer Identification Number from the Internal Revenue Service under false pretenses.
Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
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| The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything they say they can do for you legally, you can do for yourself at little or no cost. Remember though, this is not the type of Credit Repair we perform. |
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How can I tell who to trust?
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Don't take our word for it, don't take their word for. Use an impartial third party that's dedicated to protecting consumers. Look up any company your considering using for credit repair with the regional Better Business Bureau:
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They don't even use the right name for their services
The "service" they provide isn't even credit repair. Traditionally this has been called Credit Report Repair.
Since the success of our credit repair service they have been looking for a way to deceive people into thinking they are getting what their friends and neighbors are raving about when they talk about Credit Repair!
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