Credit Repair Scams - CDIA

Credit Repair Scams


Credit repair scams target consumers by falsely promising they can dispute and remove negative information from credit reports, even if the information is accurate. While it can be tempting for consumers to offload the work of fixing their credit reports to a credit repair company, it’s important to know what they can and can’t do—and to take steps on your own before subjecting yourself to their fees and potentially fraudulent promises.


Warning signs of scams:

  • Charges an up-front fee
  • Assures a specific outcome or result
  • Encourages you to lie and dispute accurate information
  • Asks you to ignore credit reporting agencies
  • Fails to explain your rights

How do I improve my credit?

There is no one-size-fits-all solution when it comes to credit scores, credit reports and credit behavior, but here are some tips for building healthy credit behavior.

  • Check your credit report regularly
  • Make Payments on Time
  • Know How Much Available Credit You’re Using
  • Consider How Many Credit Accounts You Have
  • Be Wary of New Credit

Learn more here.

Understand Credit Repair

The three nationwide credit reporting agencies (Equifax, Experian, and TransUnion) offer services and tools to help consumers dispute legitimate inaccuracies in their credit report for free.

Consumers can access their credit reports from each of the three nationwide credit bureaus for free by visiting This service along with other information about filing disputes can be found on each agency’s website:

Is there existing legislation to address credit repair?