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.
Credit washing fraud is surging in auto finance — up 162% — as social media and AI make the scheme accessible to anyone. Auto finance fraud hit $9.2B in 2024 and is expected to exceed $10B in 2026.
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