Thanks to the spam filters on my computer, I now only get a dozen or so junk emails per day in my mailbox. I don't know if the spammers are getting tired, but I seldom get spam for Viagra or get your Masters Degree online. Most of the spam I get now is for debt consolidation and even debt cancellation. At first, I thought "Hmmm.....maybe they're trying to tell me something." But after doing some checking, it seems everyone is getting blasted with this type of spam. I hate spammers as much as anybody, but I have to give them credit; they're timing is pefect. These emails started coming right around Thanksgiving - which coincidentally is when the holiday shopping season started.
The emails offer all kinds of credit help: you can get a credit card if you'vce been previously turned down for a credit card or eve if you've filed for bankruptcy; you can consolidate all of your bills into one easy monthly payment; and for a nominal fee, you can even get your bad credit history repaired and restored. There's even emails offering you the chance to get all of your credit card debt erased. The first few will cost you dearly in the long run, but they are legitimate. The last two, however, I'm pretty sure, are not.
I don't need to tell you the first tell-tale sign of the scam would be the email saying you need to pay them to have your credit card debt erased and to have your bad credit history erased. I'm sorry, but no matter how much you pay these shiesters, it just isn't going to happen. The FTC tells us that no one can legally remove accurate and timely negative information from a credit report. The law allows you to ask for an investigation of information in your file that you dispute as inaccurate or incomplete. There is no charge for this. Everything a "credit repair clinic" can do for you legally, you can do for yourself at little or no cost, according to the Fair Credit Reporting Act.
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