From How to Get Out of Debt

I just had a tax lien removed from my Equifax credit report. I also had eight other items removed from my Equifax report. Four of them were new collections. All under a year old. On my TU report I had ten items removed. A few were under a year old. I had one 10 items [...]

Read the full article at GetOutOfDebt.org, click here: Just Had Negative Items Removed From Credit Report. Will My Score Go Up? – Melanie

From How to Get Out of Debt

Colorado Attorney General John Suthers announced recently he has reached a settlement with a Veracity Credit Consultants LLC, a Denver-based company, that bars the company from charging upfront fees in exchange for credit-repair services as well as misleading consumers about their abilities to cleanse consumers’ credit reports. Under the terms of the agreement, Veracity Credit [...]

Read the full article at GetOutOfDebt.org, click here: Veracity Credit Consultants Reaches Settlement With Colorado Attorney General

From How to Get Out of Debt

“Dear Steve, I let two parcels of real estate,one my home, go into foreclosure. Both had first and second mortgages. They were both worth much less than the principle amounts. I have no debts whatsoever. I have the downpayment and income to buy a new home but cannot get approved for a new loan because [...]

Read the full article at GetOutOfDebt.org, click here: How Can I Fix My Bad Credit So I Can Get a Loan? – Andy

From How to Get Out of Debt

Date You Feel You Were Scammed: July 11, 2011 State You Live in: Florida Race/Ethnicity: White Age Range: 21-35 Total Amount of Fee Paid: $1,125 Company Name: Franklin Financial Group Company Address: 337 E Bay St. Jacksonville, FL 32202 Company Telephone Number: 904-632-1801 Website of Company: Franklin-Finance.com Consumer Statement: I had been paying Franklin Financial [...]

Read the full article at GetOutOfDebt.org, click here: The Franklin Group / Franklin Financial Group – Consumer Complaint – 11-11-2011

From How to Get Out of Debt

Responding to charges by the Federal Trade Commission, a U.S. district court has found a credit repair seller in contempt for violating a previous court order that required him to stop promoting worthless credit repair products and services to consumers. The contempt order finds Rick Lee Crosby, Jr. in civil contempt for violating a permanent [...]

Read the full article at GetOutOfDebt.org, click here: Credit Repair Company Keeps on Pitching. FTC Does Not Find It Funny.

From How to Get Out of Debt

The latest unbelievable resurgence in the debt relief world is advanced fee credit repair. That ship sailed a decade ago, at least. Companies are telling marketers that they can sell credit repair services and basically “charge whatever” they want to. But there is this little thing called the Credit Repair Organizations Act (CROA) that prohibits [...]

Read the full article at GetOutOfDebt.org, click here: Selling or Buying Credit Repair Services? Read This Before You’re Busted.

From How to Get Out of Debt

Be on the lookout for a fax that is being sent out below. A tipster sent in the fax below and it raises a number of red flags for me. The fax allegedly comes from the 561 area code (561-634-2067), the unsubscribe is in the 208 area code (208-337-6079) and the fax back number is [...]

Read the full article at GetOutOfDebt.org, click here: Credit Issues? You Are Not Alone – Fax – SCAM WATCH

From How to Get Out of Debt

Click image for larger view. @GetOutOfDebtGuyOther Related Articles to ReadJust Had Negative Items Removed From Credit Report. Will My Score Go Up? – MelanieVeracity Credit Consultants Reaches Settlement With Colorado Attorney GeneralHow Can I Fix My Bad Credit So I Can Get a Loan? – AndyThe Franklin Group / Franklin Financial Group – Consumer Complaint [...]

Read the full article at GetOutOfDebt.org, click here: Credit Repair Provider Wants to Barter for Sporting Goods

From How to Get Out of Debt

The Garden State has launched a campaign to help warn consumers about credit repair scams. Theor campaing is replete with a credit repair brochure, video and radio ad. NJ Credit Repair Warning I did laugh out loud at the video they put put below. The guy in the video, who apparently overspends on his credit [...]

Read the full article at GetOutOfDebt.org, click here: New Jersey Says to Avoid Credit Repair Scams. Puts Out Interesting Video.

From How to Get Out of Debt

A credit repair operation has agreed to stop making false claims and stop charging up-front fees under a settlement with the Federal Trade Commission. The settlement is part of an ongoing crackdown on scams that target financially strapped consumers, taking hundreds of dollars of fees to purportedly remove negative information from consumers’ credit reports even [...]

Read the full article at GetOutOfDebt.org, click here: Credit Repair Operation Barred By Court From Collecting Up-Front Fees

From How to Get Out of Debt

A recent article by Kenneth Harney of the Washington Post pointed out an observation I’ve had as well, credit repair scams are on the rise. These scams make believe believe that for a fee, bankruptcies, judgments, law suits, collection activity, or other derogatory items can be removed from a consumer credit report. That is simply [...]

Read the full article at GetOutOfDebt.org, click here: Credit Repair Scams on the Rise

From How to Get Out of Debt

*** wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: We Would Like to Purchase a Home in California. How Do We Cleanup Our Credit? – Charlene

From How to Get Out of Debt

“Dear Steve, I have most unsecured credit card debt from major banks. Approximately $70,000. If one does file Chapter 7 bankruptcy, would that immediately remove all past due accounts, defaulted accounts, accounts in collection, etc. from my credit report? I know that normally negative credit items usually remain on one’s credit reports for up to [...]

Read the full article at GetOutOfDebt.org, click here: Is Debt Included in Bankruptcy Removed From My Credit Report? – Dave

From How to Get Out of Debt

“Dear Steve, I have a few debts that went to collection, but have been paid off. Now my credit is bad and i want to clear it up FAST! What can I do? What can I do? Is there someone who can help me contact these companies to have the items removed and my credit [...]

Read the full article at GetOutOfDebt.org, click here: I Want Debts I Paid Off Removed From My Credit Report. – Karen

From How to Get Out of Debt

BOSTON – Attorney General Martha Coakley’s Office has filed a lawsuit against two individuals who charged illegal upfront fees and allegedly made false promises to fix Massachusetts consumers’ credit reports through their credit repair businesses. The individuals operate under the business names of Credit Score Rebuilders and Integrity Credit Restoration. The lawsuit, filed last week [...]

Read the full article at GetOutOfDebt.org, click here: Upfront Fee Credit Repair Companies Sued by MA AG

From How to Get Out of Debt

In 2006, Joseph A. Graziola, III was charged by the Federal Trade Commission for his fraudulent credit repair activities under his company Bad Credit B Gone. This case ended with a $322,047 judgment against Graziola. Bad Debt B Gone was nailed for making the same old stupid and fraudulent promises of removing accurate but negative [...]

Read the full article at GetOutOfDebt.org, click here: Credit Repair Boss Steals Nearly a Million Dollars from Best Buy

From How to Get Out of Debt

Lauren wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Lauren is Searching For Ways to Get Out Of Debt And Make Her Bad Credit Go Away

From How to Get Out of Debt

CH wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: How Do I Go About Getting My Credit Score Back Up? – CH

From How to Get Out of Debt

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 [...]

Read the full article at GetOutOfDebt.org, click here: Legally Change Your Name But Not Your Social Security Number to Get Good Credit

From How to Get Out of Debt

A promoter of credit repair and debt relief services has agreed to settle Federal Trade Commission charges that he deceived consumers into paying thousands of dollars based on false promises that he could help solve their credit and debt problems with debt settlement and credit repair services. According to the FTC, the promoter falsely told [...]

Read the full article at GetOutOfDebt.org, click here: Debt Settlement Company, Debt Negotiations Associates, Credit Repair Company, and Attorney to Settle FTC Charges

From How to Get Out of Debt

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 [...]

Read the full article at GetOutOfDebt.org, click here: Legally Remove Negative Information on Your Credit Report

From How to Get Out of Debt

“Dear Steve, I’m trying to pay off debts but they appear to keep poping up. Steve, what is the best way to clear up your credit and score is to pay off every delinquent debt you have or to pay off one of these so called attorneys to contest the debt and see what happens? [...]

Read the full article at GetOutOfDebt.org, click here: What’s The Best Way to Clear Up My Credit? – James

From How to Get Out of Debt

Casey wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: We Are Looking Forward to Buying Our First Home But Our Credit Sucks. – Casey

From How to Get Out of Debt

“Hello Steve, I’m doing some research on paying of debt and I came across your website. I’m hoping you can give me some sound advice. I am 31 years old, single with $19K in unsecured credit card debt. I’m sure my story is just as sob as anyone elses, so I won’t bother sharing it. [...]

Read the full article at GetOutOfDebt.org, click here: What’s Your Advice About Using Novation for Debt Elimination? – Melissa

From How to Get Out of Debt

“Dear Steve, I have multiple accounts on my credit that are in outstanding order. However, I also have 4 derogatory accounts that have brought my credit down quite considerably. Since a civilian lawyer can help by sending letters to credit companies and the business itself to dispute or investigate further (for usually a large fee), [...]

Read the full article at GetOutOfDebt.org, click here: Can a JAG Lawyer Help Me Clean Up My Credit Report? – Nathan

From How to Get Out of Debt

“Dear Steve, My name is Walter and I’m currently a senior psychology major at [XXXX] College. I have amassed over $10,000 in credit card debt from buying everything from a computer, Playstation 3, and even a High Def Television. As you can see, I really didn’t need any of the things that I bought and [...]

Read the full article at GetOutOfDebt.org, click here: I Paid “The Credit Card Solution” and Bob Lindsey to Eliminate My Debt. Turns Out They Were a Scam. – Walter

From How to Get Out of Debt

Ginger wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I Would Like to Clear Up My Credit A.S.A.P. – Ginger

From How to Get Out of Debt

“Dear Steve, I leased a car from GMAC and at the end of the lease we turned the car in and they evaulated it and decided we had too much wear on the tires, so they billed us over $700, I called and negotiated a lower price of approx $500. and paid that right away, [...]

Read the full article at GetOutOfDebt.org, click here: My Credit is Bad From Worn Tires on a Leased Car. – Sheryl

From How to Get Out of Debt

“Dear Steve, ONE year ago in march I paid a credit repair person over $500.00, they were recommended by a mortgage lender I saw. He told me it would take 4 to 6 months and my score will be were I needed it to be. Totally hasn’t been the case. I spoke with the manager [...]

Read the full article at GetOutOfDebt.org, click here: I Paid for Credit Repair. Was That and Trying to Do ‘Pay to Delete’ a Smart Thing to Do? – Tiffany

From How to Get Out of Debt

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 [...]

Read the full article at GetOutOfDebt.org, click here: Seven Easy, Surefire, Guaranteed Ways to Trash Your Credit

From How to Get Out of Debt

Sara wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I Have Paid Debt I Want Removed From My Credit Report. – Sara

From How to Get Out of Debt

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 [...]

Read the full article at GetOutOfDebt.org, click here: California Sues Credit Repair Business for Operating Illegally

From How to Get Out of Debt

Emma wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I Can Afford to Payoff My Old Debt. Should I? – Emma

From How to Get Out of Debt

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 [...]

Read the full article at GetOutOfDebt.org, click here: American Credit Experts and Legal Credit Repair Center Settles With FTC Over Credit Repair Infractions

From How to Get Out of Debt

Steve wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I’m Being Chased For a Repo From Six Years Ago. – Steve

From How to Get Out of Debt

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, [...]

Read the full article at GetOutOfDebt.org, click here: Florida Credit Repair Firm, U.S. Credit Find, Reaches Settlement With Illinois Attorney General

From How to Get Out of Debt

Jocelyn wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: I Am a City of Houston, Texas Employee and Need to Repair My Credit so I can Build a House. – Jocelyn

From How to Get Out of Debt

Thomas wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: How Long Will it Take Me to Raise my Credit Score by 100 Points? – Thomas

From How to Get Out of Debt

Manny wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: How Can I Get Out of Debt Quickly and Fix My Credit Report? – Manny

From How to Get Out of Debt

Bre wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Bre Wonders Why Her Credit Report Still Shows Negative Items That She Thought Should Have Been Removed By Going Bankrupt

From How to Get Out of Debt

TALLAHASSEE, FL – Attorney General Bill McCollum today unveiled his office’s latest consumer protection initiative in the form of a coordinated enforcement effort targeting potentially improper tactics in Florida’s debt relief industry. In a statewide initiative, the Attorney General’s Economic Crimes Division has taken legal action against five companies and opened formal investigations into the [...]

Read the full article at GetOutOfDebt.org, click here: Bogus and Scam Credit Counseling Groups Become Target Of Florida Legal System

From How to Get Out of Debt

Jennifer wrote to me through the GetOutOfDebt.org site and asked the following question. If you have a credit or debt question you’d like to ask just use the online form. I’m happy to help you totally for free. Income from the GetOutOfDebt.org site advertising is used to help alleviate poverty. If you would like to [...]

Read the full article at GetOutOfDebt.org, click here: Jennifer Says “We Have Accumulated So Much Debt And Bad Credit. What Do We Do?”