Paid credit repair companies often make extravagant claims. They promise everything from erasing every bad item from your credit reports to creating entirely new reports. None of this is legal, and it's usually not possible to do permanently even if they use illegal methods. You can even get in trouble legally and with the IRS if you go along with some of their methods for getting a new credit identity.
The worst part of unscrupulous credit repair companies who promise to fix bad credit for a price is that they often demand money up front. That's illegal, according to the Federal Trade Commission. Legitimate companies must repair your credit first, then bills you. Sure, companies that want up-front pay might give you a money-back guarantee, but promises are worthless when you try to get your money back and the company disappears. My $2.99 eBook tells you how to fix your own bad credit for free. There's no need to pay for credit repair and run the risk of dealing with a scammer. Buy the book for Kindle and do the job yourself. All you'll pay for his postage, and your credit repair will be done the proper, legal way.
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