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How to Spot and Avoid Credit Repair Scams

How to Spot and Avoid Credit Repair Scams

Practical advice to protect your credit and avoid paying for empty promises.

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Credit repair scams often look professional. Below are common warning signs and actionable steps to protect yourself.

Be wary of companies that promise to "erase" negative items or guarantee a specific score — legitimate improvements take time and documentation.

If you were scammed

  • Stop payments and contact your bank or card issuer immediately.
  • File a complaint with the FTC and your state Attorney General.
  • Document communications and request written invoices.
  • Consider a police report for fraud and notify the credit bureaus.