Credit Repair Advice Coalinga CA

If anyone says they can "fix" or "repair" your credit, watch your wallet!

Scott & Co
(559) 935-2951
196 E Elm Ave
Coalinga, CA
Dunker & Aced
(209) 526-9090
1124 11th St
Modesto, CA
Kemper CPA Group
(209) 358-7121
1160 5th St
Atwater, CA
(760) 375-1003
114 Balsam St
Ridgecrest, CA
(408) 266-4755
1655 Willow Street
San Jose, CA
Gomez Bookkeeping & Income Tax
(559) 945-9201
P.O. Box 249
Huron, CA
Finch Ocheltree & Co
(559) 439-9300
6445 N Palm Ave #101
Fresno, CA
Nomie Derderian Accounting Crp
(559) 266-4016
175 N 1st St
Fresno, CA
Petersen Associates
(650) 854-8060
3000 Sand Hill Rd #3140
Menlo Park, CA
(408) 441-6600
1376 North Fourth Street
San Jose, CA

Credit Repair Advice

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If Anyone Says They Can "Fix" or "Repair" Your Credit, Watch Your Wallet!

So-called "credit repair" services sometimes claim they are able to "clean up" a consumer's credit report, erase bad marks from a credit history or create a new credit identity. But there's one problem; it's illegal to make such claims. No one can legally remove negative information from a credit report if it's accurate.

Any company that says it can repair your credit probably is trying to take advantage of you. Credit repair companies can't do anything for you that you can't do yourself.

How to Recognize a Credit Repair Scam

Fortunately, there are several ways you can spot credit repair rip-offs:

They often charge high fees, between $250 and $5,000 up front.

  • They typically say that they can offer you a quick fix for your credit problems.
  • They use high-pressure sales tactics.
  • They claim to be affiliated in some way with the federal government or some government agency.
  • They promise to remove evidence of a previous bankruptcy and records of late payments from your credit report.
  • They make sensational claims that sound too good to be true.
  • They claim that they know loopholes in the law to fix your credit. For example, they claim that if you dispute an item on your report in writing and the creditor does not respond within 30 days, the item must be removed. However, even after the item is removed, the credit bureau can continue to investigate the item and it will go right back onto your credit report if proven valid. Meanwhile, you paid a scam artist to have it "removed."
  • ...

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