About Credit

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