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Recognizing Credit Repair Scams
Credit repair companies often target consumers who have poor credit histories with promises to repair their credit report so they can get a car loan, a home mortgage, insurance, or even a job once they pay them a fee for the service. Visit www.ftc.gov to learn more about your rights and credit repair scams. The Federal Trade Commission explains that many "Credit Clinics" do the same credit repair that you can do for your self with little or no extra cost. Do not do business with any organization that offers to create a new identity or credit file for you. This practice is illegal. You may be held liable if you take part in those types of deals. You can write the FTC at Sixth and Pennsylvania Avenues, N.W., Washington, D.C. 20004 ask for their free brochure "Credit repair: Self help may be best."
Warning Signs Of A Credit Repair Company That Is Up To No Good.
 
 
 
From the FTC Website
 
The company wants you to pay for credit repair services before they provide any services. Under the Credit Repair Organizations Act, credit repair companies cannot require you to pay until they have completed the services they have promised.
The company doesn’t tell you your rights and what you can do for yourself for free.
The company recommends that you do not contact any of the three major national credit reporting companies directly.
The company tells you they can get rid of most or all the negative credit information in your credit report, even if that information is accurate and current.
The company suggests that you try to invent a “new” credit identity — and then, a new credit report — by applying for an Employer Identification Number to use instead of your Social Security number.
The company advises you to dispute all the information in your credit report, regardless of its accuracy or timeliness.
The Fair Credit Reporting Act (FCRA)
requires each of the nationwide consumer reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. The Federal Trade Commission (FTC), the nation's consumer protection agency, has prepared a brochure, Your Access to Free Credit Reports, explaining your rights under the FCRA and how to order a free annual credit report.
How do you receive your free report

You can order your free annual credit report online at annualcreditreport.com, by calling 1-877-322-8228, or by completing the Annual Credit Report Request Form and mailing it to: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

When you order, you need to provide your name, address, Social Security number, and date of birth. To verify your identity, you may need to provide some information that only you would know, like the amount of your monthly mortgage payment.
Summary of Your Rights
You must be told if information in your file has been used against you.
 
You have the right to know what is in your file.
 
You have the right to ask for a credit score.
 
You have the right to dispute incomplete or inaccurate information.
 
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information.
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre35.pdf