Are Credit Repair Companies Scams?
as you can. And certainly that’s the case with the bulk of the supposed “credit repair” outfits that promise to fix your bad credit. Let’s look at some of the specific methods these places will use or propose to use on your behalf (for a hefty, not always clearly disclosed, fee): 1. Provide you with a copy of your current credit report. Depending on your state law and how recently you’ve requested a copy, you likely are legally entitled to obtain your current credit report for free yourself. Even if you can’t get it directly yourself for free, some other (legitimate or borderline legitimate) credit-related businesses will pull it for you for free in the hopes you’ll use their paid services down the road (which of course you don’t have to). 2. Correct errors on your credit report, like if there’s a charge that isn’t yours, or something hasn’t dropped off that should have after this many years. Any of that you can do yourself by communicating directly with the credit bureau (Equifax, Exp
