About Credit

Home / About Credit / Seven Signs of Credit Report Scam

Seven Signs of Credit Report Scam

  • You aren’t given a copy of the “Consumer Credit File Rights Under State, and Federal Law” letting you know your rights to obtain credit report and dispute inaccurate credit report information.
  • You aren’t given a copy of the contract to view before you’re asked to sign it.
  • The contract doesn’t contain the following information:
    • The amount you are being charged
    • Details about the services being performed on your behalf
    • The date by which the services will be performed (or the time period required to perform the services)
    • The name and business address of the organization
    • A statement letting you know, you can cancel the contract within 5 days (depends on State)
  • You’re asked for payment before the services have been performed
  • The company promises to remove accurately reported information from your credit report
  • The company promises to create, or asks you to create, a “new” identity with a new social security number or federal employer identification number (EIN)
  • You’re asked to sign a form waiving your rights under the CROA