CreditRepair is a popular credit improvement service that has helped erase over 900,000 negative line items from credit reports and increasing thousands of Americans' credit scores each year. Basically it works like this: you call for a free consultation, an expert takes a look at your credit report and puts together a plan that works for your individual situation, then they work to get inaccurate negative line items removed to increase your score.

As people take to the internet to leave glowing testimonials about how CreditRepair has helped them increase their credit score in just a few months, many readers are wondering whether the service is a scam. That's a great question from discerning readers, and there are many credit scams out there to be aware of. But CreditRepair isn't one of them. Here are the warning signs that you might be involved in a credit scam.

1. The Service Asks For Money Before They Give Any Expert Advice

If a service charges a fee upfront, then you're probably looking at a scam. They're taking advantage of the fact that it's very difficult to get your money back once you've paid them. CreditRepair offers free initial consultations over the phone, so you'll get an idea of how they'll work with you and what plan might best fit your individual financial situation before you pay a dime. Ultimately, they can help save you thousands of dollars every year by increasing your credit.

2. They Claim To Remove All Negative Line Items

Almost everyone has negative line items on their credit report that aren't fully accurate, or used to be accurate and aren't anymore. Chances are, you have several. This is so common that CreditRepair's experts know exactly how to frame your inaccurate line items to get them removed. But, no one can remove all negative line items. Items that are correct and up to date will stay as they are. If a service claims otherwise, they're probably a fake.

3. They Ask You To Sign Blank Paperwork

All services need some amount of personal information so that they can access the information they need to look at your credit report. But, services should never ask you to sign blank paperwork or claim to act on your behalf. This is how identity fraud is perpetrated. Credit Repair will never pretend to be you, they'll just work to get your inaccurate negative line items removed so you don't have to.

Credit scams are real and dangerous. Luckily, CreditRepair isn't one of them. They have real experts that know how to identify and get rid of the inaccurate negative line items on your report that may be lowering your score by hundreds of points. Give them a call for a free consultation to see if they can work for you, there's nothing to lose, and you'll be taking your first step towards financial independence.

Update: The folks at CreditRepair are extending a special offer to our readers. Follow this link, or call 1-833-335-7539 for a free credit consultation including your free credit report summary and score!