{"success":true,"data":{"id":"credit-score-repair-scam","label":"Credit score repair scam","description":"Fake credit repair services promise to add an implausible number of points to a credit score, remove \"negative items\" overnight, or wipe bad credit history — then charge upfront fees, harvest SSNs, or lock victims into ongoing monthly charges for worthless services; the FTC designates credit repair as one of its top fraud enforcement areas; legitimate credit counsellors never guarantee specific point improvements, never charge upfront, and never claim they can remove accurate negative items.","tier":"danger","category":"scam","isThin":false}}