Okay I realize everyone has their own opinion but here is why I think credit repair techniques are unethical...

  • Misrepresentation of facts in dispute letters
  • Removal of actual history impairs creditors ability to effectively judge credit worthiness
  • Credit ratings become meaningless to society


Personally, I think the only legit part of credit repair is disputing items that really are bogus. Disputing to try and get an item on your credit report removed when you know it's accurate is unethical and dishonest.