SCAM-PROOF YOUR SCORE — Spotting and Avoiding Credit Repair Cons in California
Desperate to repair your credit?
You’re not alone—and that’s exactly what credit repair scammers prey on. These schemes promise quick fixes and “new credit identities,” but often leave you deeper in financial trouble. For California consumers, understanding the warning signs can mean the difference between rebuilding your credit and becoming a victim of fraud.
That’s where R23 Law’s California Consumer Protection Attorneys step in. We fight for consumers who have been targeted by fraudulent credit repair companies and illegal financial scams.
How Credit Repair Scams Lure Consumers
Credit repair scams often target people in high-stress financial situations—those denied loans, struggling with bad credit, or desperate to qualify for housing or employment. These companies make promises they can’t legally keep, such as:
Removing all negative items from your credit report
Creating a “new” Social Security number or credit identity
Guaranteeing fast fixes in exchange for upfront payment
These tactics are red flags and, in many cases, outright violations of federal and California consumer protection laws.
Common Red Flags to Watch For
Protecting yourself starts with knowing what to avoid. Watch out for:
Upfront Payment Demands: Legitimate credit services don’t require full payment before doing any work.
Guaranteed Results: No one can legally promise to erase accurate negative information.
Lack of Transparency: If they won’t provide a written contract or explain your rights, walk away.
“New Credit Identity” Offers: Selling new Social Security numbers or Employer Identification Numbers (EINs) for a fresh start is illegal “file segregation.”
Legal, Safe Ways to Repair Your Credit
The good news: there are legitimate steps you can take to restore your credit. R23 Law’s California Consumer Protection Attorneys recommend:
Checking Your Credit Reports Regularly: Review your reports from Experian, Equifax, and TransUnion for errors or fraud.
Disputing Legitimate Errors: You have a legal right to challenge inaccurate or outdated information.
Paying Bills on Time: Payment history has the largest impact on your credit score.
Reducing Debt: High balances drag down your score; consistent payments make a measurable difference.
What to Do If You’ve Been Scammed
If you’ve already fallen victim to a credit repair scam, act fast:
Stop Payments Immediately: Contact your bank or credit card company to halt recurring charges.
File a Complaint: Report the scam to the FTC, CFPB, and your state’s attorney general.
Monitor Your Credit: Watch for new fraudulent activity and consider a credit freeze.
Seek Legal Representation: R23 Law’s California Consumer Protection Attorneys can take legal action against fraudulent companies and work to repair the damage to your credit.
Take Back Control of Your Credit
Credit repair scams thrive on fear and misinformation. Knowledge—and the right legal team—are your best defense. If you suspect you’ve been targeted or want to repair your credit through legitimate, legal avenues, reach out to R23 Law’s California Consumer Protection Attorneys today.
