A HOAX? Have you found the commercials about identity theft wrecking a person's credit? Well, the simple truth is that in case it happens to you, you can get a fresh social security number from the Social Security Administration. You could be sure that the people who make those commercials don't want you to be informed on that!

The following two quotes are out of the Federal Trade Commission:
"Your credit repair: person help could be best bad credit business loans; https://www.tacomadailyindex.com/blog/best-bad-credit-loans-2022-top-high-risk-personal-loan-companies/2453033/,."
"Credit repair services have been a big issue for customers. Credit repair firms usually charge hundreds of dollars for the ongoing services of theirs, but don't deliver on the promises of theirs.
The Scam: Everyday, businesses nationwide, appeal to buyers with poor credit histories. They promise, for a fee, to clean up the credit report of yours so you can get a car loan, a house mortgage, insurance, as well as a job. The simple fact is, they cannot deliver. After you spend them hundreds or thousands of dollars in fees, these companies do nothing to boost your credit report; many just vanish with your money."
End of Federal Trade Commission quotes.
You don't need to spend attorneys or firms to send out form letters every month that get limited consequences. Credit reporting bureaus realize these form letters, and cure them accordingly. It's faster, cheaper, and better in case you do your own credit repair.
Below is a complete advanced strategy that anyone is able to use to repair their credit. It should be adequate to for most credit repair situations.