Don’t be scammed and pay someone upfront to:

…..fix your credit or dispute incorrect charges or claims.

I am asked frequently by friends and family about people, unknown to them, who contact them and offer to get their money back from a scammer, or fix their credit. These offers come by the way of unsolicited phone calls or the US Post. They will ask for a check or credit card up front for the work they promise to do for you.

Don’t fall for this!!

They often take your money and then do nothing more than you can do – so don’t pay upfront money to anyone who claims they can clean up your credit or dispute incorrect charges with your credit card companies, FOR NO MONEY AT ALL.

The Consumer Finance Bureau just published an online article today and issued the following warning signs:

  • Upfront fees to recover money — don’t pay for any part of a service that has not been performed. You have the right to refuse service and verify the legitimacy of any organization.
  • Claims of insider information and connections –— Submitting complaints to federal agencies, such as the CFPB or the Federal Trade Commission, or state attorneys general offices are free to the public and easy to use. Private companies do not have special access to these free consumer complaint resources.
  • Requests for secrecy — never allow anyone to discourage you from seeking information, support, and advice from family members, friends, or trusted advisers before making a financial transaction.If scammed, report it promptly to your local law enforcement office, and submit a complaint to the Federal Trade Commission at

If you have an issue with a financial product or service, you can submit a complaint to the Consumer Finance Protection Bureau at

You can also download a printer-friendly version of what the Consumer Finance Protection Bureau published today to share with friends, family.



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