If you want to make your credit score better – Officials are saying to be careful. Schemes can not only steal your information – but also turn you into a crook. According to the Federal Trade Commission – there are a few easy ways to spot a credit repair scam. First—if the company asks for payment before they render any services. Also, if they ask that you do not contact the credit reporting agencies directly. And finally, if they suggest giving false information when applying for a mortgage or a loan… Another troubling trend among credit repair schemes is the promise of an entirely new credit identity. This can land consumers in trouble with the law turning a consumer into an unknowing identity thief.