CHECKDISPUTE | FREE PRACTICE CHECKLIST
Credit Repair Scam Warning Signs: What the Law Requires

1. Request the separate written statement headed "Consumer Credit File Rights Under State and Federal Law" before signing anything.
2. Confirm it arrived as its own document, not as a clause inside the contract.
3. Read its sentence about accurate, current and verifiable information, and decide whether the sales pitch matches it.
4. Get the written contract: services, total cost, how long results take, guarantees, and a written cancellation form.
5. Check when money is charged; payment before the service is fully performed is prohibited, monthly plans included.
6. Note whether anyone suggested disputing accurate information or filing an identity theft report you know to be false.
7. Note whether you were told not to contact the credit reporting companies directly.
8. Pull your own free reports through AnnualCreditReport.com before deciding you need help at all.

Practice: https://checkdispute.com/learn/practice/article-44/
Full guide: https://checkdispute-guides.blogspot.com/2026/09/credit-repair-scam-warning-signs-what.html
Sources checked: 2026-09-20

General education, not personalized legal advice. No credit or dispute outcome is promised. Disputing errors directly is free.