(Wisconsin) The Administrator for the State’s Division of Trade and Consumer Protection says there are no miracle workers out there that can fix negative statements on your credit record or improve your credit score.
Michelle Reinen says scammers will claim they can on websites and social media. She says the methods they use to do that could include using stolen Social Security numbers or convincing you to apply for Employer Identification Numbers from the IRS under false pretenses-which could result in fines or even prison time. They may just present you with letter templates you can send to credit reporting agencies asking to remove the information, which you could get from the Federal Trade Commission for free.
She says if the information in your credit report is accurate it can’t be removed no matter how negative it is. She says red flags to watch out for include asking you to pay up front, warning you not to contact the credit bureaus directly, advising you to dispute credit report information that you know is accurate, and asking you to lie on your credit or loan applications, or file a false identity report.
