Credit Repair Scams – Consumer Be Ware!

Todays Date: December 11, 2018

Of course there are a few good credit repair companies out there. It’s the same as with most businesses, there are good ones and those you need to be wary of. However, since credit repair companies deal with people who are a bit vulnerable and down on their luck, they tend to attract the “used car salesman” type of people to do their sales. This is unfortunate to say the least because credit repair really does work and there is no reason to get scammed or overcharged by an unscrupulous service provider. Too often their objective is more to make money instead of trying to help you.

Some time ago when I was doing some research for a website I was building, I actually called a couple credit repair companies to see how I would be treated. I didn’t need credit repair, but I knew a lot about it. I pretended to be a person needing credit repair and gave them a scenario of a situation I might be in. At first the guy was nice, but as I asked more questions, he started to get a bit rude to the point where he was basically calling me an idiot. It was almost comical on one hand. On the other hand it was pretty sad, as I am sure there are many actual consumers who have been maltreated by this guy hoping first to make a buck rather than hoping to help out his caller.

Now, no one is saying that people should not earn a profit for providing a service. But I can tell you from experience that if your primary objective is to make money, you won’t have as good a service as if you set out to help people. Isn’t that the golden rule of the service industry? I think so.

So how do you sift through so-called credit repair services? How can you tell who to work with? Here are some bullet points that should help you pick through the bunch:

Work with someone local so you can physically see them and make sure you are comfortable with them as a person.
Work with someone local that has a reputation.
Work with someone local because you can go to their office to keep them accountable.
Be ware of incredible claims – if they claim to be able to get rid of things like debts you actually owe, you might want to go elsewhere. If they are clearly just trying to ‘sell’ you on their service, then you might want to look elsewhere.
If they are going to charge you more than $600 – $800, you should look elsewhere. Credit repair is not very difficult. Most companies use credit repair software to generate the credit repair letters and it takes them very little time. It is mostly data entry that dumps into form letters that they mail out or ask you to mail out.
Consider doing self credit repair, which basically means taking a little extra time to do what credit repair companies would do, but at no cost to you.
Best of luck!

Matthew Wierzbinski is the owner of, which offers both written and video instructions on how to repair your own credit. It also offers the public free use of its amazing credit repair letter generating tool, the free and easy Credit Repair Letter Wiz™, which can be found at
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