a credit sweeper told me that they could fix my credit in 30 days if i give them $600 to start and $600 when they finish is this a scam and can it be done
This amount is too much rather it gives feeling that this may turn in to a scam. Here i request you that you should study different posts here on credit magic forum & thus you will get enough knowledge to improve your credit score on your own.
I think you should try to repair your credit by yourself. This is because it is very difficult to identify which credit repair agency is good and which one is a scam. Even the Federal Trade Commission recommends to repair your own credit instead of going for repair agencies. The most important thing is that if the repair agency can remove an item from your report, you can also do so and if you do it yourself, you can save dollars which you can use to repay your debt. For repairing your own credit what is needed is patience. There are discussions in the forum which will help you to repair your credit.
Typically credit repair companies do are not permitted to charge upfront fees. In some cases if they have a surety bond then that can charge upfron to their state residents, but even if permitted I am against it.
You will want to make sure the company you choose is charging the clients within the guidelines of the law. Charging a total upfront fee is a violation of the Credit Repair Organizations Act (CROA) and some have disguised this violation with “membership “or “consultation†fees. Unless they are exempt from the CROA then payments with an initial setup and a non-obligatory monthly fee billed in arrears is the preferred form of payment. Some helpful tools in researching potential credit repair referral programs is by seeing if they are members the National Association of Credit Services Organizations (www.nacso.org).
If so I would like to speak with you in regards to upgrading your companies system, website, and overall results with our CSO Program.
In response to your questions we charge retroactively for the work done the previous month. We are one of the few credit repair companies that have their fees listed on their website.
Our fees are as follows:
Individual: $179.00 Setup & Analysis. This will cover your account creation, which is the most expensive step in the process and you are not charged until that service has been performed. Then it will be $99.00 a month for the work done in the previous month.
Couples: $225.00 ($112.50 per person) Setup & Analysis. This will cover your account creation, which is the most expensive step in the process and you are not charged until that service has been performed. Then it will be $159.00 ($79.50 per person) a month for the work done in the previous month.
I hope this helps and I hope we will have the ability to do business together in the future.
This amount is too much rather it gives feeling that this may turn in to a scam. Here i request you that you should study different posts here on credit magic forum & thus you will get enough knowledge to improve your credit score on your own.
Thanks
Shekhar
I think you should try to repair your credit by yourself. This is because it is very difficult to identify which credit repair agency is good and which one is a scam. Even the Federal Trade Commission recommends to repair your own credit instead of going for repair agencies. The most important thing is that if the repair agency can remove an item from your report, you can also do so and if you do it yourself, you can save dollars which you can use to repay your debt. For repairing your own credit what is needed is patience. There are discussions in the forum which will help you to repair your credit.
Upfront charges
Typically credit repair companies do are not permitted to charge upfront fees. In some cases if they have a surety bond then that can charge upfron to their state residents, but even if permitted I am against it.
You will want to make sure the company you choose is charging the clients within the guidelines of the law. Charging a total upfront fee is a violation of the Credit Repair Organizations Act (CROA) and some have disguised this violation with “membership “or “consultation†fees. Unless they are exempt from the CROA then payments with an initial setup and a non-obligatory monthly fee billed in arrears is the preferred form of payment. Some helpful tools in researching potential credit repair referral programs is by seeing if they are members the National Association of Credit Services Organizations (www.nacso.org).
Credit
Brian C. Aber, when do you get paid? How does your program work?
Response
Hello,
Are you the same company as this one?
wefixbadcredit.com
If so I would like to speak with you in regards to upgrading your companies system, website, and overall results with our CSO Program.
In response to your questions we charge retroactively for the work done the previous month. We are one of the few credit repair companies that have their fees listed on their website.
Our fees are as follows:
Individual: $179.00 Setup & Analysis. This will cover your account creation, which is the most expensive step in the process and you are not charged until that service has been performed. Then it will be $99.00 a month for the work done in the previous month.
Couples: $225.00 ($112.50 per person) Setup & Analysis. This will cover your account creation, which is the most expensive step in the process and you are not charged until that service has been performed. Then it will be $159.00 ($79.50 per person) a month for the work done in the previous month.
I hope this helps and I hope we will have the ability to do business together in the future.