Credit Report Repair Advice
Watch Out For Credit Repairs
By John Parsons
It is very easy to find a site that is neat, professional-looking, and one
that offers a free three-agency credit report and free credit report without
a credit card.
This scam is too good to be true. Usually the only catch is an upfront
charge to the consumer of $7.95 or something similar for each disputed item
on your report. I was on the verge of signing up, but got a sneaking
suspicion that something wasn't right.
Every other site I'd seen offered an Equifax report for
free, and a three-agency report for around $35. How could they offer it for
free, and How could anyone get a free credit report without a credit card?
Skeptical, I researched the company and found multiple complaints. One of
the prominent ones was a claim that they disputed every negative entry on
your credit report without your approval, and then charged you $7.95 for
I requested an explanation of the above link to give them a chance to share
their side of the story. While I awaited their response I continued my
The Department of Justice says there is nothing a credit repair agency can
do that you can't do for free, making Clear Credit's offer seem even more
Almost all of the other sites I found made it clear that you should be
suspicious of anyone claiming to improve your credit for a fee and offering
free credit report without a credit card, because non-profit groups are
available to help people with credit trouble.
My hopes were dashed in a matter of days. I received two e-mails from Clear
Credit, but they didn't contain an explanation. They told me to act now to
improve my credit.
They spam a potential customer who made a perfectly legitimate request for
more information. I was not impressed.
My search to find a quality three-agency credit report for a low price will
continue, but Clear Credit is clearly off the list.
John Parsons is founder of http://CorporateNarc.Comô. The mission of http://www.CorporateNarc.Comô
is to educate the public in consumer affairs and to provide consumers with
up-to-date business information. In addition we hope to ensure better
services for the consumer by exposing business fraud and corruption, as well
as unfair and deceptive business practices.
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