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.
Credit Repair
The Nonprofit Loophole in Credit Repair Law: How Big Is It Really?
Federal credit repair law exempts 501(c)(3) nonprofits. Here is what that carve-out actually does, and how to check any organization.
I Paid Off My Collection — So Why Is It Still on My Credit Report?
Paying a collection doesn’t remove it. It stays about seven years from your original delinquency, and whether your score rises depends on which model your lender pulls.
When You Search for Your Debt Collector, Who Actually Answers the Phone?
People searching for their debt collector have told the government they reached a credit repair company instead. Here’s how to confirm who answered before you share anything.
They Said to Dispute Everything as Identity Theft. That TikTok Trick Is a Federal Crime.
Viral TikTok “credit sweeps” tell you to dispute every debt as identity theft. The FTC warned in January 2026: that’s a federal crime, not a loophole. Here’s the truth.
They Said a “609 Letter” Erases Any Debt. Section 609 Doesn’t Even Do That.
A 609 letter can’t erase an accurate debt. FCRA Section 609 is a disclosure right, not a delete button. Here’s the truth and what actually fixes your credit.
New Bill Would Ban Credit Repair Companies From Charging Until They Prove Results
Bipartisan Ending Scam Credit Repair Act would ban upfront fees, prohibit dispute jamming, and require state registration for credit repair companies. Here’s what it means.
FTC Sending $10.9 Million to 443,000 Financial Education Services Victims
FTC is sending $10.9M in refund checks to 443,048 consumers harmed by Financial Education Services credit repair pyramid scheme. Here is how to verify yours.
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.
The “Clean Slate” “Credit Washing” Credit Repair Trap: It’s a Federal Crime, Not a Secret
The ‘Clean Slate’ credit repair scheme promises a new credit profile by altering your Social Security number or filing false disputes. It’s a federal crime that has sent people to prison for decades — despite marketers insisting it’s legal.
