Resolve to spit-shine credit report in 2009
NEW YORK – Getting your credit report in shape in 2009 is a sound New Year’s resolution. Just make 
sure you’re not reeled into any scams.
With a deepening recession leaving more people in financial distress, fraudulent services promising to scrub credit reports of unflattering information are rampant. Just last year, the Federal Trade Commission saw a 50 percent spike in complaints about such businesses.
“There are bad actors everywhere. And they’re crawling out from under their rocks for the holidays,” said Gail Cunningham, spokeswoman for the National Foundation for Credit Counseling, an association of non-profit counselors.
Services billing themselves as credit doctors and credit clinics, for instance, can’t really improve your report, she said. The truth is, if the negative information is accurate, nobody can get it removed – not even you.
