Some financial service company has been sending mails asking me to sign up for an initial consultation. They also promise that they have attorneys who can clean up my credit reports. Can they really do that or are these just false promises?

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Might turn out to be a complete waste of money while your credit remains the same. No one can actually erase bad credit at one go. It's a gradual process. What they can do is guide you to remove old debts, dispute with the CRAs and all that. Never ever fall into the trap and pay money for that. It might be a scam.

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