Credit Repair Advice Flagstaff AZ

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

Rodney C Wilson CPA
(928) 779-5726
2200 E Cedar Ave #13
Flagstaff, AZ
 
Century Small Business Sltns
(928) 213-1241
2200 E Cedar Ave #12
Flagstaff, AZ
 
Mary Jo Heher Agency
(928) 526-0102
2223 E 7th Ave #A
Flagstaff, AZ
 
Barth & Cvercko
(928) 779-6181
2405 N Rose St
Flagstaff, AZ
 
G Terry Hnatyshak CPA
(928) 526-6941
P.O. Box 3510
Flagstaff, AZ
 
Anthony C Choi CPA
(928) 526-0300
2160 N 4th St
Flagstaff, AZ
 
Mizer & Associates
(928) 773-7770
2320 E Route 66
Flagstaff, AZ
 
Dickman & Co
(928) 526-2500
2710 N Steves Blvd #C
Flagstaff, AZ
 
Nordstrom & Associates
(928) 774-5086
P.O. Box 220
Flagstaff, AZ
 
L Sam Pappas CPA
(928) 774-7321
P.O. Box 400
Flagstaff, AZ
 

Credit Repair Advice

Provided by:

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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