Credit Repair Advice Sedona AZ

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

Harry J Strauss CPA
(928) 282-3031
44 Stutz Bearcat Dr
Sedona, AZ
 
Walker & Armstrong
(928) 282-4016
1485 W Highway 89a #2
Sedona, AZ
 
Cosse & Wallace
(928) 282-3040
40 Tortilla Dr
Sedona, AZ
 
Monique Stecklein Cpa Pa
(928) 282-2882
30 Inspirational Drive
Sedona, AZ
 
Diana Bell Enrolled Agent
(928) 567-7570
P.O. Box 5545
Lake Montezuma, AZ
 
Ellson & Ellson Accounting Ltd
(928) 282-4458
2155 W Highway 89a #207
Sedona, AZ
 
Fisher & Maxson
(928) 204-1224
2370 W Highway 89a #3
Sedona, AZ
 
Sterling Financial Services
(928) 282-3684
1865 West S R 89 A
Sedona, AZ
 
Newman Computer Service
(928) 282-5236
P.O. Box 1886
Sedona, AZ
 
A John Mahon
(928) 634-9667
649 E Cottonwood St #3
Cottonwood, 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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