Do you want your credit report and all your personal information sent to the Philippines, India, Mexico, Ukraine, Poland, Colombia, or Costa Rica?
No? Neither would I! And yet, all those are destinations that many professional credit repair companies outsource their work to.
Then those third world teams are sending template letters to dispute your credit on behalf of the actual company in the USA that you signed up with.
Did they tell you that? Did they ask your permission or was it somehow in the fine print of the contract that you never noticed?
Recently, a big boo-boo happened. A group in the Philippines accidentally sent all the information they received from Credit Repair Company A to Credit Repair Company B. Thus, all the people who signed up with “A” were now in the database of “B.”
These clients began receiving automated letters from “B.” They were confused. Who were these people and how did they get their personal information?
Company A was distraught because all their clients had been given away to a competitor.
Last I heard, “A” and “B” were amicably straightening it out.
But this mess would never have happened if both A and B weren’t using the same cheap source in the Philippines.
So again, I ask you: do you want your personal information outsourced to Southeast Asia, Eastern Europe, South America, or Latin America?
If not, maybe you’d be better off doing your own credit repair. You can pick up the step-by-step guide, including letters I have written myself, for less than it costs to pay for one month of hire. See here.
Do you have a bankrupcy on record? If so, see here.
I wish you all the best in building good credit in 2026!
Carolyn, I respect you for your work and even liked your book. I don’t like that you’re tarnishing ALL Credit Repair companies with this post. I have been in business over 12 years and do everything in house.
Thank you for your commen. Even though my post says “many” which is true — and in fact, I believe it is the majority — it does not say “all.” Nevertheless, I can see how people could take it that way. I will write a second post clarifying and I will also recommend ASAP Credit Repair USA, because I have now looked at your website, and I like the way you do business with a flat fee and keeping the work in-house.