Your credit score may be one of the most important aspects of your financial profile. As a result, consumers are likely targets for companies who promise help for those with credit problems. While many financial and credit repair organizations are reputable, the consumer should be aware of tell-tale signs of fraud.

1. New Social Security Number
   You can only have one social security number!!!! Anyone recommending this course of action is violating the law.
   
   
2. Federal Employer ID Number
   Some companies will suggest you establish a business thereby giving you a clean credit history. It is against the law to use Employer ID to set up a false identity. Further, as a practical purpose no creditor will extend credit to a consumer with a blank credit history.
   
   
3. Improperly Fighting All Negative Entries
   Credit agencies, whether we like it or not, have a right to maintain accurate records of negative entries. Your ability to object to inaccurate information does not allow you to object to honest creditors. A credit repair company that recommends such a strategy is merely trying to take your money knowing there will be no positive result.

If you believe you have been deceived by a credit repair company, you are not alone. Call the office today at 619.615.0767 or contact us online for a free evaluation.