FTC warning signs
Current FTC guidance warns about advance fees, instructions to avoid credit bureaus, false disputes and false identity-theft reports.
Accurate information matters
A legitimate dispute is for information believed to be inaccurate, not a method for deleting accurate obligations.
False reports can create bigger problems
Submitting false identity-theft information is not a legitimate credit strategy.
Prefer official resources
Use recognized regulators, nonprofit education resources and the credit bureaus' official processes.
Educational information only. Use current product terms and the rules that apply in your country. For decisions with significant financial consequences, consider an appropriately qualified professional.