One of the biggest credit repair scams going is credit repair services offering to do things for you that you can do easily on your own. “Disputing charges, requesting an investigation or removing inaccurate or incomplete information is something anyone can do. You don’t need a credit repair service.” Before you sign up for credit repair services, learn what you can do to repair your credit without one. Avoid any companies that try and get you to pay them for things you can do yourself for free.
Credit repair laws prevent credit repair services from charging you up-front costs. “Under the Credit Repair Organizations Act, credit repair services can’t require you to pay them until after they’ve completed their services,” says Weisman. He considers any request for payment up-front to be a dead giveaway that you’re dealing with a scam.