Court Condemns Attorney’s Illegal Credit Repair Scheme

Credit repair schemes almost always require payment in advance of any results. Typically, the customer pays the money and then gets no results. To curb this abuse, the federal Credit Repair Organizations Act, 15 U.S.C. Section 1679f, prohibits anyone from offering to improve a customer’s credit to charge money in advance. This week, the 9th Circuit Court of Appeals agreed that an attorney who charged clients $599 to improve their credit had violated the credit repair act. Consumers are well advised to never pay money to anyone who promises to improve or repair their credit reports or scores.



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