This Credit ‘Repairer’ Is A Convicted Felon ~ BEWARE Of Companies That Claim To Be Able To "Repair" Your Credit Score.

Photo Via Chicago CBS Local

Victim of the Scam ~ Michelle Marshall

Beware of those claiming this.
Watch this story below about this convicted felon offering her "BOGUS" Services.

Via (CBS) 2 Investigator Dave Savini tracks down a woman running a “credit repair” business who took her clients money only to never hear from her again. 

Michelle Marshall says she hired Desiree Hawkins-Davis and Freedom Financial Solutions to help improve her credit score.

Customers say they would set up consultation meetings, and Hawkins-Davis and the company would take thousands of dollars and not do the promised credit repair work.

“I gave her $3,000 dollars — $1,500 for me and $1,500 for my husband,” Marshall says.
The Illinois Attorney General’s office confirms it has launched an investigation but could not comment further.
There are other, unrelated, Freedom Financial credit repair companies. Hawkins-Davis has offices at 4440 Lincoln Highway in Matteson and 9934 S. Western in Chicago.

According to the Federal Trade Commission, credit repair companies cannot demand advance payment, and they must provide a written contract along with certain provisions for canceling it.

Many credit repair agencies violate federal law by charging up-front fees. These are often called “account set up” fees or “credit analysis” fees. Or they may require you to purchase a “manual” that explains how you can do your own “free” credit repair. It does not matter what they are called – they are illegal. 

Credit Repair Organizations Act – Public Law 90-321, 82 Stat. 164 “404” Prohibited practices. b) Payment in Advance –“No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.”