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Consumer Tips

Credit Repair Scams

• No one can remove negative information from your credit history if the information is accurate
• Negative credit information will remain in your credit history for seven years from the date it is reported
• Bankruptcy will appear in your credit history for ten years
• Fraudulent companies will offer different tax ID's or social security numbers in order to create a new file. THIS IS ILLEGAL
• Many unsolicited emails or mailings from credit services should be viewed with skepticism
• Credit services cannot collect a fee upfront until they have kept their promises
• You can do everything that any service can, and you can do it for free. Call our office for assistance

FEDERAL LAW requires that credit repair services give you an explanation of your legal rights, a detailed written contract, and three days to cancel. This applies to for-profit and non-profit organizations, banks, credit unions or the creditor.

For some great information about credit repair and counseling services, call (800) 989-2227, or go to www.nfcc.org.