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Avoiding credit repair scams
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Avoiding credit repair scams



Post Date: Mon, 18 Feb 2008 09:54:45 -0700

Banks are tightening their purse strings, making it harder to qualify for loans. And now the Better Business Bureau is warning that some companies are using the credit crunch to take advantage of consumers who want to clean up their credit. Here are some top tips on avoiding these scams....

http://money.cnn.com/rssclick/2008/02/18/pf/saving...

Avoiding credit repair scams (Abstract text format)

Avoiding credit repair scams - Feb. 18, 2008 Home Business News Markets Personal Finance Retirement Technology Luxury Small Business Fortune Video My Portfolio CNN.com Companies Economy International Corre ctions Pre-market Trading After-hours Trading Winners/Losers/Actives Bonds Currencies Commodi ties World Markets Money Magazine Real Estate Mutual Funds Taxes Ask the Expert Money 101 Autos Loan Center Best Places to Live Ask the Expert Millionaires in the Making Ultimate Guide to Retirement Retirement Calculators Best Funds Ask the Mole Best Places to Retire Personal Tech Big Tech Blog Techland Blog Sectors and Stocks Fortune 500 Techs Tech Talk 100 Best Places to Launch Ultimate Resource Guide Small Biz Makeovers FSB 100 Ask & Answer Fortune 500 Technology Investing Management Rankings Main Creat e Portfolio Edit Portfolio Create Alerts Edit Alerts Commentary: Top Tips by Gerri Willis Column archive Avoiding credit repair scamsCleaning up your history could get you into bigger trouble if you get taken in. Here's how to see through a con game. EMAIL | PRINT | DIGG | RSS Subscribe to Personal Finance feed://rss.cnn.com/rss/money_pf.rss Paste this link into your favorite RSS desktop reader See all CNNMoney.com RSS FEEDS (close) By Gerri Willis, CNNFebruary 18 2008: 11:53 AM ESTNEW YORK (CNNMoney.com) -- Banks are tightening their purse strings, making it harder to qualify for loans. And now the Better Business Bureau is warning that some companies are using the credit crunch to take advantage of consumers who want to clean up their credit. Here are some top tips on avoiding these scams. 1: Get the lowdownComplaints against credit repair companies have risen for three straight years, increasing more than 38% since 2004 according to the Better Business Bureau. You've probably heard of these services before. Ads are common on the radio, in television, in newspapers and in direct mail advertising. The Internet is another area ripe with credit repair scam artists. In some cases, consumers pay these companies large fees up front - we're talking about more than $1500 in some cases. In return these companies promise to erase any blemishes on credit records, get new Social Security numbers for clients, or allow consumers to piggyback on someone else's credit record. First of all, no one can remove accurate and timely negative information from your credit report. Secondly, it's almost impossible to get a new social security number. Finally, piggybacking is a thing of the past. This is a practice where you basically borrow someone else's credit score to boost your own credit standing. The bottom line here is that anything a credit repair company can do legally, is something that you can do yourself - for free.2: Know your rightsIf you respond to a credit repair offer, by law you should be provided a copy of your consumer rights. This is a one-page document that tells you what your rights are if you dispute inaccurate information with credit repair companies. You have the right to cancel a contract with any credit repair organization for any reason within three business days from the date the contract was signed, according to the Better Business Bureau.3: Watch for Red FlagsIf the credit repair company doesn't tell you what your legal rights are or doesn't tell you what actions you can take yourself, that's a big red flag. Don't trust a credit repair company that advises you not to contact a credit bureau directly. Make sure you don't pay for any services upfront. Don't do business with any company that encourages you to create an employer ID number instead of a social security number. And don't believe offers that will let you piggyback on someone else's good credit. Before you do business with any credit repair company, check them out at the Better Business Bureau at www.welcome.bbb.org. 4: Get legitimate helpIf you have a serious credit problem, check out the Consumer Credit Counseling Services. You will be able to get counseling for a low fee, or even free in some cases. Some of the services provided may include working out a payment plan with lenders, as well as guidance and advice to help you stay out of debt. To find an office in your area, call 1-800-388-2227, or go to www.nfcc.org. Gerri's Mailbox: Got questions about your money? We want to hear them! Send e-mails to toptips@cnn.com or click here - each week, we'll answer questions on CNN, Headline News and CNNMoney.com. More Personal Finance The best (and cheapest) funds around Finally, dream stocks at affordable prices Millionaires? Try $700,000-aires The Hot List100 best places to start a businessDiesel: The truck stops here 'You're working for gas now' Top StoriesRecession woes deck Wall StreetOil tumbles 12% on still-growing supplyAuto sales outlook: Running on empty$1.2T deficit loomsPricing in a jobs apocalypse Photo Galleries 6 hot Macworld apps for business While Apple had little new to announce at Macworld, the show's expo hall is filled with outside developers showing off innovative new apps. Here's our picks for 6 tools no Apple-loving small business should be without. More 2009: The forecast for entrepreneurs Small companies ended 2008 with a laundry list of troubles, with sales slow, bank lending frozen, and health care and credit-card costs soaring. Here's what to expect in 2009 on 7 key issues. More Autos: 2008 winners and losers In a disastrous year for auto sales here's who came out on top and who got thrown under the wheels. More /* #moneySponsorBox {margin-bottom:15px;} #moneySponsorBox .cnnmoneySponsorTitle {position: relative; top: 7px;left:4px;} #moneySponsorBox #adContainer {border: 1px solid #999;padding:5px;} #moneySponsorBox #adContainer iframe{margin:5px 0;} */ © 2009 Cable News Network. A Time Warner Company. All Rights Reserved. Terms under which this service is provided to you. Privacy Policy Home Portfolio Calculators Contact Us Newsletters Podcasts RSS Mobile Widgets Press Center Site Map User Preferences Advertise with Us Magazine Customer Service Download Fortune Lists Reprints Career Opportunities Special Sections Conferences Business Leader Council Live Quotes automatically refresh, but individual equities are delayed 15 minutes for Nasdaq, and 20 minutes for other exchanges. Market indexes are shown in real time, except for the DJIA, which is delayed by two minutes. All times are ET.* : Time reflects local markets trading time. † - Intraday data delayed 15 minutes for Nasdaq, and 20 minutes for other exchanges. Disclaimer Copyright © 2009 BigCharts.com Inc. All rights reserved. Please see our Terms of Use.MarketWatch, the MarketWatch logo, and BigCharts are registered trademarks of MarketWatch, Inc.Intraday data provided by Interactive Data Real-Time Services and subject to the Terms of Use.Intraday data is at least 20-minutes delayed. All times are ET.Historical, current end-of-day data, and splits data provided by Interactive Data Pricing and Reference Data.Fundamental data provided by Morningstar, Inc..SEC Filings data provided by Edgar Online Inc..Earnings data provided by FactSet CallStreet, LLC. 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