6 The Hampton Roads Messenger Credit Score FROM PAGE 1


scores by removing all negative items, among other things, from customers’ credit reports – and also boost scores by adding the customer as an authorized user on other people’s credit cards. But people who signed up with Grand Teton didn’t see a significant change in their credit scores, despite paying hefty (and illegal) up-front fees. And, if consumers complained or tried to get their money back from their bank, Grand Teton allegedly threatened to slap them with lawsuits.


Here’s the thing about credit


repair: there’s rarely an instant fix. To clean up your credit and protect


Volume 13 Number 10 yourself from credit scams:


• Get a free copy of your credit report. Review it carefully. Do you recognize all the accounts listed?


•


If you find mistakes, contact the credit bureau and the business that reported the information. They must delete inaccurate or incomplete information. You don’t have to pay anyone to do this for you – you can dispute inaccurate


items on your


credit report yourself, for free. There’s nothing a company could do for you that you couldn’t do yourself.


• Only time negative,


can correct accurate


information on your credit report. You can rebuild your credit by paying your bills on time, paying off debt and not creating new debt.


If you need help cleaning up your credit:


• Contact a legitimate credit counseling organization. Good credit


counselors


review your whole financial situation before they make a plan. They won’t promise to fix all your problems or ask you to pay in advance.


July 2019


• Learn how to spot a credit repair scam. Does the company ask for money up front? Did they say not to contact the credit bureaus yourself? Or tell you to dispute accurate information on your credit report? If you said “yes” to any of those, stop right there. You’re probably dealing with a scam.


Learn more about cleaning up


your credit history. And, if you know about a credit repair scam, report it to the FTC.


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