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Credit repair scams have increased tremendously in economic times like these because of: a shaky economy; record levels of foreclosures; and a rising number of bankruptcies, credit card delinquencies and late mortgage payments. Credit repair is a booming business now and, unfortunately, a lot of unscrupulous elements are thriving in the market. Credit repair has become a necessary part of today's economy as more as more people fall victim to bad credit. Credit repairing is not an easy process, it's not something that happens over night, but by being patient, organized and the help of many friends and professionals and people that have been trough similar situations as you, it is possible to clean a credit file and remove all the inaccurate information. Like most scams, credit repair scams prey on those people who are feeling desperate and willing to believe even unreasonable promises. Just a few Credit Repair Scams To Avoid: ·Credit Repair companies that don't follow industry standards or regulations. ·Credit Repair companies that offer to "wipe out bankruptcies", to remove accurate negative information from your credit history, or to obtain credit for you regardless of your credit history. ·Credit Repair companies that promise to exploit "secret" or "little known" loopholes in the system to remove information from your credit history. ·Credit Repair companies that won't provide a written disclosure of your rights in relation to your credit history before asking you to sign a contract. ·Credit Repair companies that attempt to charge money before it has performed the credit repair services. ·Credit Repair companies that discourage you from directly contacting the major credit bureaus. ·Credit Repair companies make it sound like repairing your credit is a big mystery that requires legal expertise and years of practice. ·Credit Repair companies that tell you to lie on loan applications or suggest that you develop a second identity.