Trusted Credit Report Companies
All Credit Report companies listed in our Trusted Directory have been fully vetted, rated and reviewed as part of our 5-step verification process.
If you see a credit report service company listed you can be assured they provide a quality of care at the highest levels in the industry and importantly, get their clients the results they want without breaking the bank.
If they don’t cut it – they don’t get in. Simple.
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Avoiding Credit Report Scams
Credit reporting is big business. In a debt-heavy economy and where over 90% of companies look to our credit reports when making financial decisions – more an more of us are both keeping an eye on our credit score, but trying to improve it where possible.
A poor credit score or negative strikes against us on our credit report can obviously have huge implications for our ability to take out loans or even hire vehicles, property or equipment.
And this is where scammers can take advantage – they see that we’re desperate to improve our situation and claim to offer us a ways and means to do so – at a price.
The FTC state unequivocally:
If you’re trying to clean up your credit, you’ll come across plenty of companies offering an easy fix. But any company promising instant results for a price is likely a scam.
The FTC have already brought scores of law enforcement actions against both credit score and credit repair companies who over-charge for under-performing services and ConsumerFinance.gov have set up a site offering a 100% free annual credit report to ensure every American has access to an unbiased report with no hidden motives.
The bottom line is yes your credit score and credit report can be improved with careful work through legitimate and qualified companies, but be on the look out for overpriced services and over-stated promises.
So how can you protect yourself when looking for credit report services?
- Only use legitimate and trusted companies, such as those we list above.
- Do not deal with companies who contact you – be the one to reach out to the company.
- Check a company’s credentials at the BBB and with your local Chamber of Commerce if they are in-state.
- Read online reviews – is there a pattern of complaints with the company concerned?
And most importantly, if they ask for any money up front while making big promises to solve all your credit report worries – walk away.
Example Cases
FTC Stops Operators of Fake Credit Repair Scheme (June 21, 2019)
FTC says credit repair company en-CROA-ched on consumer rights (June 28, 2019)
