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Credit Repair

Legally Change Your Name But Not Your Social Security Number to Get Good Credit

Alias Credit Repair

Here is a new trick that is totally not worth the $3,999 that’s being charged, let alone $39, in my opinion. This company that is promoting you can have a good credit score by legally changing your name but keeping your old social security number. Now from the advertisement above it sounds miraculous. But how about this statement, “Only use ... Read More »

CPN – Credit Profile Number / Credit Privacy Number – Craigslist Scam to Watch Out For

While searching out scams to avoid recently I came across many that were willing, for a fee, to help me repair bad credit using a CPN or Credit Profile Number. There is a lot of misinformation online about the CPN but what you need to know is you can’t use a fictional number in place of your valid Social Security ... Read More »

Legally Remove Negative Information on Your Credit Report

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Well it has happened again. Yet another credit repair organization has fallen under the sledgehammer known as the Federal Trade Commission and you know what, rightfully so, idiot scammers. Wishful consumers desperate for a quick fix to hide accurate but negative items on their credit report are easy prey for credit repair scammers looking to make a quick illegal buck. ... Read More »

Attorney General Warns Consumers About Credit Repair and Debt Settlement Scams

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Florida Attorney General Bill McCollum issued a consumer advisory warning Floridians about scams related to credit and debt issues. Companies offering credit repair solutions or debt settlement were among the top concerns reported to the Attorney General’s Office last year. The Attorney General noted that, given the current economic climate, disreputable companies will likely continue to prey on consumer’s credit ... Read More »

Seven Easy, Surefire, Guaranteed Ways to Trash Your Credit

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I spend a lot of time helping people resolve credit issues and getting finances under control. Now it’s time to give guidance to those folks who are desperate to screw-up their credit. Who’d want to do that, you say? Plenty of folks are in an all-fired rush to make bad credit mistakes. Here’s how they developed the worst credit scores ... Read More »

California Sues Credit Repair Business for Operating Illegally

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California Attorney General Edmund G. Brown Jr. today sued Todd Swick and Michael Sardo, owners of Los Angeles based Executive Financial Credit Services, for ignoring “repeated warnings” to register with his office and post a $100,000 bond with the Secretary of State. “Swick and Sardo violated California law by refusing to register their credit repair business with the Attorney General’s ... Read More »

Credit Repair and Credit Counseling Firms Banned From New Jersey

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A Final Consent Judgment has been entered against the defendants sued by the Office of the Attorney General in New Jersey and its Division of Consumer Affairs for allegedly offering credit repair and credit counseling services that consumers paid for but did not receive. Defendants United Credit Adjusters, Bankruptcy Masters Corp., United Counseling Association, Inc., and Credit Bureau Controls Corp. ... Read More »

Credit Counseling, Credit Repair, Debt Settlement and Other Scams Are Target of FTC Sweep

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The Federal Trade Commission recently annound operation Short Change, an effort to help curb abuses of consumers by groups claiming to offer help. Here is a summary of the companies targeted under Operation Short Change. California Mezey & Associates, Inc., Campos Chartered Law Firm, The Consumer Protection Law Center dba Consumer Law Center, LLC Desist and Refrain Order issued for ... Read More »

American Credit Experts and Legal Credit Repair Center Settles With FTC Over Credit Repair Infractions

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A federal court has ordered a credit repair operation and its principals to stop making false claims and requiring advance payment for credit repair services. See the court order here. The agreed-upon court orders are a result of a settlement between the Federal Trade Commission and the “credit repair” defendants. The Commission sued the defendants in October 2008 as part ... Read More »

Florida Credit Repair Firm, U.S. Credit Find, Reaches Settlement With Illinois Attorney General

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Attorney General Lisa Madigan has shut down the alleged “phone cramming” operations of a Cape Coral, Fla., credit repair company that placed unauthorized charges on the phone bills of thousands of Illinois consumers, small businesses and local governments. Through a settlement agreement reached with the Attorney General, US Credit Find and its owner, Aaron Stanz, have agreed to cease participating ... Read More »

Two Women Running Credit Repair Firm Lose to Arkansas Attorney General

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Two women who ignored a lawsuit filed against them by the Arkansas attorney general’s office have not responded to a federal judge’s order that they pay nearly $700,000 in penalties for defrauding at least 139 Arkansans through a credit-repair scam. Meanwhile, the two women, Sherrye Mance and Tiffany Morris, are believed to have simply changed the name of their operation ... Read More »

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