Credit repair offers: 3 signs that it’s a scam

You’ve seen the commercials on tv and heard them on the radio.  Maybe seen billboards or ads on the subway or at the bus stops.  “We’ll fix your credit!” they tell you in a voice that sounds vaguely familiar to that voice that cries, “But wait!  There’s more!  For $19.95 you also get this handy-dandy, …

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