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How to Identify Credit Repair Scams

With thousands of credit repair companies out there how do I know who to trust? There are plenty of companies that take advantage of the consumer and have no real desire to help any client with improving their credit standing.

On the flip side there are legitimate credit repair companies out there that have a true desire to be of service and help you reach your financial goals. Be diligent and do your research when it comes to hiring anyone to repair your credit.

A Few Signs of a Credit Repair Scam

There are laws set in place to guard your rights and certain guidelines all Credit Repair companies have to follow. Warning signs for credit repair scams include companies that claim it can guarantee a specific increase in your credit score or get rid of negative credit information on your credit report even though the information is accurate and verifiable. Be on the lookout for these tactics companies will use to try and scam you.

Refuses to Explain Your Legal Rights

When hiring a Credit Repair Company the consumer has legal rights. After enrolling in any service you have three days by law to cancel and receive a full refund.

Disputing information with the Credit Bureaus is a legal right and can be done for free.

It is not legal for credit repair companies to guarantee results or give you a definitive timeframe it will take to fix your credit.

Claims a New Identity is Needed

Offering you a new identity or Employer Identification Number (EIN) is a tactic scam companies use to state they can guarantee results. This is illegal and puts the consumer at risk for future legal issues.

Asks You to Misrepresent Information

The most common scam that companies will use, is asking you to state that everything on your credit report is identity theft. This is illegal and the consumer will be fined if a court case is brought against them. In order to file fraud on your credit profile you have to have a legitimate case and have filed a police report of the fraud.

Approved Credit Resources strives to be transparent and provide the consumer with all the necessary information to make informative decisions pertaining to their credit.

We all know the old saying, “If it sounds too good to be true, it probably is”. Beware of any company that pushes for an enrollment through the guise of guaranteed results. Remember there are great companies out there, you just have to watch for the Red Flags when hiring anyone to repair your credit.

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DIY Kit
FREE
// by joining our Facebook Group
Free DIY Credit Repair Kit
No Credit Check Builder Accounts
How To Read A Credit Report
Round 1-5 Bureau Investigation Letters
Direct To Creditor Letters
Step-By-Step Instructions For Each Round
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Professional
$89
// per month
Waived Initial Fee, Normal Price $164.00
Credit Repair Expert Working on Your File
Secured Private Portal with 24 hr Access
Bureau Direct Investigations and Disputes
Monthly call with Processing Team
Access to our Legal Team for Assistance
No Credit Check Builder Accounts
Credit Monitoring
*6-8 Month Average Timeline for
Mortgage Qualification
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Premium
$139
// per month
Waived Initial Fee, Normal Price $214.00
Credit Repair Expert Working on Your File
Secured Private Portal with 24 hr Access
Bureau Direct Investigations and Disputes
Creditor Direct Investigations and Disputes
Monthly call with Processing Team
Four 15 Minute Calls with Personal Credit Coach to Fast Track Restoration Process
Access to our Legal Team for Assistance
Collection Cease and Diciest Communication on Request
Guidance for Building/Rebuilding Positive Credit for Your Specific Needs
Credit Monitoring
*4-6 Month Average Timeline for
Mortgage Qualification
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*The timeline for the Professional & Premium Services are averages, every clients credit report is unique and will vary based on a mix of determining factors. Rebuilding positive credit history is a key factor to success.

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