Where do I report a Credit Repair scam?

 If a company promises to create a new credit identity or hide you bad credit history or bankruptcy. It's also a scam. These companies often use stolen Social Security numbers or get people to apply for Employer identification Number from the IRS under false pretenses to create new credit reports. If you use a number other than your own to apply for credit, you won't get it, and you could face fines or prison.

Where do I report a credit repair Scam?

If you have a problem with a credit repair company, report it to:

• your state Attorney General (naag.org) or local consumer affairs office. Many states have their own law covering credit repair companies.
• the FTC at ftc.gov/complaint or 1-877-FTC-HELP. The FTC can't resolve individual credit disputes, but it can take action against a company for breaking the law.

Is There anything else I can do to improve my credit?

It takes time to improve your credit, but you can rebuild your credit by paying your bills by the due date, paying off debt-especially on your credit cards-and not taking on new debt.

If you're in debt and need help, a reputable credit counseling organization might be able to help. Good credit counselors spend time discussing your entire financial situation with you before coming up with a personalized plan to solve your money problems. They won't promise to fix all your problems or ask you to pay a lot of money before doing anything.