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TIL paying $89 for a credit repair 'expert' was a complete scam vs. the $30 DIY route I almost didn't try

I paid a guy $89 to fix a late payment on my credit report, and he did nothing except tell me to mail a letter I could've written myself. Then I spent 3 hours and $30 on postage doing it my own way, and the error got removed in 8 weeks. So which is it - do these services ever actually do anything extra, or are they all just preying on people?
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3 Comments
shanec61
shanec6128d ago
89 bucks for a letter you could print at home, that's the scam.
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emma_wells83
My cousin actually paid for one of those resume builder sites last month, thought he was getting some professional edge. Spent like 60 bucks and ended up with a template that looked exactly like the free one I found on Google Docs in like 5 minutes. He was so mad he called the customer service line and the guy on the phone basically laughed at him.
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samrodriguez
89 bucks for a letter" nailed it, all those services are the same basic scam.
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