Scammers play name game and get caught

Imitation may be the sincerest form of flattery, but sometimes it’s illegal. Just ask the people behind First Time Credit Solutions, who promoted their business as “FTC Credit Solutions” until the real Federal Trade Commission shut them down. The group claimed their credit repair firm was licensed by the FTC, and allegedly took thousands of dollars from people after promising to delete negative, but accurate, information from their credit reports. In fact, the operation wasn’t licensed by the FTC — no credit repair service is — and didn’t get true, negative information removed from credit reports, because that’s against the law. The FTC is working to permanently ban the operators from offering credit repair.

FTC Credit advertised nationwide — online, in print and on radio and social media. According to the FTC, the company preyed mostly on lower-income Spanish-speaking people who wanted to modify heavy debts or improve low credit scores. It took illegal advance payments of about $2,000 per person. The FTC said the company mis-used the Commission name and an altered Commission seal, and boasted that its connection to the FTC allowed it to lawfully “delete” true information about late payments, defaults, even bankruptcies. In the end, all it did was draft dispute letters full of false information for people to send the credit reporting companies, the FTC said.


You can improve your credit, with time and effort. You don’t have to use a credit repair company; you can do it yourself or with a credit counselor. It doesn’t cost anything to dispute mistakes or outdated items on your credit report. Some accurate negative information will stay on your report for a time, and there’s nothing you can do to make it go away sooner. Most accurate negative information stays on your report for several years. Bankruptcy information usually stays for seven to 10 years.

Blog Topics: 
Money & Credit


Thank you very much for spreading the knowledge of awareness among the citizens. GOD BLESS

Someone pretending be chase,using the 800 number wanted,to know my debit number it is a conspirancy to drain my account so I can't go to the jersey seashore like don wood said he is in big trouble!

i need to know whats going on because i was a customer at ftc credit solution and they promise me to delete my bad accounts using the FTC !!!! hoy can i get an information about this because they lied to me and tokk my money

First, please report your experience at so it becomes part of the FTC database that investigators use. 

If you need to dispute credit card charges, you can find out how to do that in this FTC article. You can dispute items yourself, you don't have to pay someone to do it.

This shows you a Sample Letter you can use to Dispute Errors on Your Credit Report.

Hey I was a customer there also I just found out yesterday . Have u heard anything about us getting our money backn

Very Good Information

need to trace phone calls and work your way to who is receiving these funds.

What about Lexington law. Are they legitimate?

To check on a company, you can contact the state Attorney General and local consumer protection agencies in the state where the company is located. Ask if there are any complaints are on file. You also can search online for complaints. Type the company name and the word "complaints" into an online search engine.

They got me,my personal information in the name of the Gov.


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