How to avoid credit repair scams

Credit repair is a legal, regulated service — and it attracts scams because people in a tight spot will pay for hope. The tells are consistent.

Quick takeaways

Upfront fees and guarantees are illegal in this industry.
Never buy a 'new credit identity' — that is fraud.
You always keep the right to dispute yourself.

Hard red flags

Payment demanded before any work is done. A guarantee that specific items will be removed or your score will rise by a set amount. Advice to dispute accurate information. An offer of a new credit identity or an EIN to use in place of your SSN — that is fraud, and it is on you.

Also walk away from anyone who tells you not to contact the bureaus yourself. That is your legal right.

What legitimate looks like

A written contract, a written statement of your rights, a three-day cancellation window, clear monthly pricing, and honest limits on what is possible with your file.

If you have been scammed

Cancel payments, keep every document, and file complaints with the CFPB, the FTC and your state attorney general.

Want someone to look at your actual reports?

Start the free intake and a Knox specialist will walk your file with you — what can be challenged, what should stay, and what to do next. No cost, no obligation.