Back in 2015, I dropped $300 on a 'credit repair' service that was a total scam

I was young and my score was stuck in the low 600s, so I got desperate. They promised to 'dispute everything' and get my report clean in 90 days. All they did was send a bunch of generic letters to the bureaus that got instantly rejected. It actually made things worse for a bit because the disputes looked frivolous. Anyone know a legit way to fix errors without getting ripped off?

3 comments

3 Comments

olivia4784d ago

My 2018 version of that was a $400 lesson.

the_vera4d ago

Oof, that $400 number hits hard, @olivia478. I had a similar thing happen with a phone repair that cost me almost three hundred. The real lesson is to always get a second quote, even for stuff that seems small. It feels like a hassle at the time but saves so much regret later. I'm way more careful about just saying yes to the first price now.

grantthomas3h ago

Yeah, the "dispute everything" line is such a red flag. I tried doing my own disputes with a free template I found online and it actually worked on a few old medical bills. Maybe it's just me but doing it yourself feels way less sketchy.