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How to spot a credit repair scam
The FTC (Federal Trade Commission) warns that only scammers promise to remove all negative information from your credit report. Use this checklist with any company, including us. (FTC)
Red flags
- They charge before doing any work
- They guarantee a score or promise to erase accurate items
- They tell you not to contact the bureaus yourself
- They offer a CPN, a "new credit identity" or using an EIN instead of your number
- They don't give you a written contract and your cancellation rights
Your rights
Read our your rights page to see what every credit repair company must give you.
You can dispute for free on your own. If you'd like help, we're here.