There's a radio version of this ad running pretty much constantly on Sirius/XM which features some smarmy jackass pretending to quiz people on their knowledge of the importance of a good credit score. He asks them what a "good credit score" is, and a woman guesses "600?" to which he mockingly replies, "sure, that's good, if you want to pay thousands of dollars in extra interest." If you have a radio, you've probably heard this ad.
Anyway, the host eventually asks a guy "does paying your bills on time improve your credit score?" And guess what- when the guy answers "yes" the host responds "sorry, no." Which breaks my rage meter, because as I've been preaching here for years, paying your bills on time, every time is the No. 1 way to keep your credit score high, or to improve it if it's not where you want it to be. Creditrepair.com outright LIES to make it sound like your credit score is out of your control, so you need to use their "service." It would be as if Optima Tax Relief told you that you CAN'T deal with your tax issues with the IRS on your own, instead of carefully telling you that you SHOULDN'T. It's crossing a very fine line between Possibly True and Downright False and I wonder why the United States has such lousy consumer protections when it comes to misleading advertising. (Actually I don't wonder; it's called Capitalism, cloaked with Buyer Beware with a nice coat of Ignorance is No Excuse.)
So the idiot scam artist in these ads is basically telling his intended victims that they have no control over their credit score, which means it will be low, which means they'll never get that new car and house and vacation they "deserve," unless they hire this company which knows how to fix credit in ways that are unavailable to the intended victim, which is yet another lie. Thanks for the material, Creditrepair.com. You never disappoint.