Recognize the pattern
How it starts
Loan groups, short video ads or a supposed credit specialist.
The promise
Erase your history and restore your score without repayment.
What happens next
A normal dispute process is sold as a secret paid channel, followed by delay, disappearance or requests for false information.
Signs to watch for
- Promises to remove accurate records
- Discourages contacting credit bureaus
- Requests false identity theft or loan information
Start with what you can do now
If this happened to you
Stop sharing account details or signing false disputes.
Check your reports for accounts or changes you do not recognize.
Keep the agreement and charges for a complaint to the FTC or CFPB.
What to save
Keep the original records. Use copies to organize the details.
- Repair advertisements
- Guarantees and messages
- Service agreement and dispute documents
- Payment records
Before you send money
- Get your reports through AnnualCreditReport.com.
- Dispute information that is actually inaccurate.
- Do not use a new identity or submit a false identity-theft claim.
These guides explain common patterns. The facts of your situation and your payment provider’s rules determine which steps are available.