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.
CROA
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.
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.
What Can I Do If a Credit Repair Company Took My Money?
A credit repair company that takes money upfront and delivers nothing may have violated federal law. Here’s what CROA says and your options for getting your money back.
The FTC Case Against Financial Education Services Is Still Open. Here Is the Full Story.
Quick Answer: The FTC case against Financial Education Services (FES) is still active. A $324 million judgment was entered in August 2024, but the case is not closed — the FTC is now sending $10.9 million in refund checks to 443,048 affected consumers, the founders are under active compliance monitoring, and a $312 million suspended …
Debt Relief Insider: Federal Lawsuit Compliance Briefing — March 3, 2026
Quick Answer: 23 federal debt relief lawsuits were filed this week (February 24–March 3, 2026). This briefing organizes the alleged conduct by risk category — compliance talking points for debt relief company staff and counsel to use when reviewing current practices.23 new federal debt relief lawsuits were filed this week. Below is a compliance analysis …
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.
Financial Education Services Fighting Back Against FTC Over Credit Repair Allegations
Quick Answer: Financial Education Services is vigorously defending against FTC allegations of operating a credit repair scam and pyramid scheme that allegedly defrauded hundreds of millions from consumers. The FTC claims additional evidence from business inspections and receiver reports strengthens their case for violations of federal consumer protection laws.The Federal Trade Commission sued Financial Education …
Credit Repair Scams: When They Help and Hurt
Quick Answer: The Federal Trade Commission shut down The Credit Game, a bogus credit repair scheme that charged consumers hundreds to thousands of dollars for worthless services and filed false identity theft reports. The company’s owners, Michael and Valerie Rando, also encouraged consumers to use COVID-19 benefits to pay for their illegal services.Company Illegally Charged …
Credit Repair Scam Complaints: What Records Show
Quick Answer: The FTC halted Texas-based Turbo Solutions Inc. (doing business as Alex Miller Credit Repair) for allegedly defrauding consumers out of millions by falsely promising to remove negative credit report items through “advanced disputing” and filing fake identity theft reports. The federal court issued an injunction against the company and owner Alex Miller for …
