| It's a scam. There are several ways to accomplish the scam:
1) Client calls and asks for a "clean" credit report. Scammer says, "ok, I need 1/2 now, and half in 20 days when we're finished." Client gives 1/2 and calls back in 20 days. Scammer faxes the client a completely clean set of credit reports, which they simply forged on a computer. Client pays, and they later find they've been scammed when they see their real report.
2) Scammer purges all information temporarily from clients credit reports. Some good con artists have ways of really doing this. I won't go into their methods here, though. However, since all three credit bureaus have backup records, the information is replaced in a matter of days or weeks, the next time there's an automatic update of the files. As long as the scammer collects their money prior to the client finding out, they get away with it.
Maybe someone else knows of another twist on the scam.
The only thing I know for sure is that no one can purge all the negative info from all three credit bureaus, even if they worked at one of them. |