We've all seen and heard those advertisements by companies promising to fix your credit and erase your bad credit. Be careful as many of theses offers may be scams that are trying to take advantage of you. Everything that a credit repair company can do for you legally, you can do for yourself at little or no cost.

Here at the New Jersey Division of Consumer Affairs, you can find information regarding credit and valuable tips on how to avoid becoming a victim of credit repair scams. Check out the links below for helpful information.

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Helpful Links

• To obtain a free annual copies of your credit report, go to http://www.annualcreditreport.com

• For additional information about obtaining information from the three major credit bureaus, go to:
  http://www.njconsumeraffairs.gov/credit.htm

• For additional information about credit repair scams, visit the Federal Trade Commission at:
  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre13.shtm and
  http://www.ftc.gov/bcp/edu/microsites/moneymatters/dealing-with-credit-repair.shtml or call toll free 1-877-FTC-HELP (1-877-382-4357)

• In the event you decide to contact a Credit Counseling Agency for advice on managing your money and debt, be sure to contact the New Jersey Division of Consumer Affairs at 800-242-5846 to see whether any complaints have been filed against them. Also, be sure to interview the Credit Counseling Agency. For a list of questions to ask, go to:
  http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre26.shtm

• If you believe that you have been a victim of a credit repair scam, please contact the New Jersey Division of Consumer Affairs, Call 888-656-6225;or Visit http://www.njconsumeraffairs.gov/comp.htm; or Write to:
  

  Division of Consumer Affairs
  Consumer Service Center
  P.O. Box 45025
  Newark, N.J. 07101
  

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