I Paid a Credit Repair Company and Nothing Happened. Here’s What to Do
I paid a credit repair company and got nothing back. Here is exactly how to get your money back fast, and what federal law says they owed you all along.
advance fees
They Said I Won a Government Grant. I Just Had to Pay a Fee First
The government does not hand out personal grants for bills or debt — and never charges a fee to release one. Here is the FTC’s own warning, verified.
They Said I Have to Pay the Credit Repair Company First
Told to pay a credit repair company before it helps you? Federal law bans advance fees — and you can dispute credit report errors yourself for free.
They Said I Have to Pay the Debt Settlement Company Before They Do Anything
A debt settlement company telling you to pay a fee before they settle anything isn’t industry standard — it’s a federal violation. The FTC’s Telemarketing Sales Rule has banned advance fees since 2010.
Former Employee Sues Milwaukee, The Credit Repair Shop, Says Commission Records Prove Illegal Upfront Fees
A former employee of The Credit Repair Shop in Milwaukee filed a federal lawsuit alleging the company charged illegal upfront fees for four years — and has the internal commission spreadsheets to back it up.
Clerk Credit Systems Sued for Illegal Credit Repair Advance Fees
A federal lawsuit alleges Clerk Credit Systems LLC charged nearly $400 in illegal upfront fees, promised to remove negative credit items within 45 days, and delivered no meaningful results. The complaint cites violations of both the federal Credit Repair Organizations Act and the Florida Credit Services Organization Act.
