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Promises to erase debt, repair credit overnight, or unlock a special government program can be a way to steal your money or personal information. Don’t pay an unexpected caller, share sensitive details, or follow instructions to lie or dispute information you know is accurate. Verify offers independently, and if someone has used your identity, report it at IdentityTheft.gov and follow its recovery plan.
How credit scams work
Scammers exploit financial pressure and the hope of a quick fix. They may pose as debt-relief or credit-repair companies, or call with an offer to lower your credit-card interest rate. An unexpected message or call is not proof that a caller represents a legitimate business, even if the caller knows some details about you.
The Federal Trade Commission reported $3.5 billion in losses to imposter scams in 2025 and about $16 billion in reported losses to fraud overall. Those figures cover broad categories; they are not estimates of credit-scam losses or the number of people affected by credit scams. The FTC’s figures were reported in June 2026: FTC data on reported fraud losses.
Warning signs in debt-relief offers
- A promise to eliminate your debt, guarantee a settlement, or deliver fast forgiveness.
- A claim that a special government program will guarantee results.
- A demand for payment before the company settles debts or enrolls you in a debt-management plan.
- An unexpected call or text asking for personal or financial information, especially with pressure to act immediately.
Do not respond with sensitive information or rely on the phone number or link in the message. Look up the organization’s contact details independently and verify what it offers and charges. The FTC explains these warning signs in its debt-relief scam guidance.
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Warning signs in credit-repair offers
A credit-repair company cannot legally remove accurate, current negative information from your credit report. Be wary of a company that:
- Demands payment before doing any work.
- Tells you not to contact credit reporting companies yourself.
- Urges you to dispute information you know is accurate.
- Suggests lying on a credit application or filing a knowingly false identity-theft report.
False disputes and identity-theft reports can cause further legal and financial harm. Before a credit-repair company begins work, it must give you a written contract detailing your rights and the total cost. You have three days to cancel without charge. These protections do not mean a company can erase accurate information; see the FTC’s credit-fix scam guidance and credit-repair scam alert.
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Unexpected credit-card rate offers
A caller promising to lower your card’s interest rate may use details such as the last four digits of your Social Security number, ZIP code, or card balance to sound credible, then push you to decide quickly. Don’t treat those details as proof of legitimacy. Contact your card issuer using a phone number on your card or a website you find independently. The FTC describes this tactic in its alert about unexpected rate-reduction offers.
Safer ways to get help with debt
Credit counseling may be an option if you need help assessing your finances or managing debt. Ask what services are provided and what they cost before sharing details about your situation or agreeing to pay. The FTC says reputable counseling organizations should provide information for free before you disclose your circumstances. Be cautious about paying in advance for work that has not been done, and get the terms in writing. The FTC’s debt-relief guidance explains what to check.
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What to do if you suspect identity theft
- Contact affected companies. Use a phone number or website you find independently. Ask the company’s fraud or security department to secure or close compromised accounts and explain how to dispute unauthorized activity.
- Report the identity theft. Go to IdentityTheft.gov for a tailored report and recovery plan. Follow the steps it provides, including securing accounts and changing logins.
- Review your credit reports. Check for unfamiliar accounts or other activity you did not authorize, and follow the recovery plan for anything suspicious.
- Consider a fraud alert or credit freeze. These can help address the risk of someone opening new credit in your name, but neither stops every kind of fraud.
- Report suspected fraud or bad business practices. Submit a report to the FTC at ReportFraud.ftc.gov.
Use official agency websites and independently verified contact details: scammers may impersonate government agencies. The CFPB’s identity-theft guidance also advises contacting affected financial institutions, reporting the theft, and considering fraud alerts or freezes.
Credit freeze or fraud alert: which should you use?
Both options are free, but they work differently. A freeze restricts prospective creditors’ access to your credit file. A fraud alert asks creditors to take steps to verify your identity before extending new credit.
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| Protection | What it does | Where to request it | How long it lasts | Practical effect |
|---|---|---|---|---|
| Credit freeze | Restricts access to your credit file for prospective creditors. | Request it separately from each of the three nationwide credit reporting companies. | Until you lift it. | A lender may be unable to access your report, which can delay a legitimate credit application. Lift the freeze when you need a creditor to review your file. |
| Initial fraud alert | Asks creditors to verify your identity before extending new credit. | Place it through one nationwide credit reporting company; it must notify the others. | One year. | It prompts identity checks but does not block access to your file. |
| Extended fraud alert | Provides the same identity-verification request for eligible identity-theft victims. | Contact a nationwide credit reporting company and follow its requirements for an extended alert. | Seven years. | It asks creditors to take identity-verification steps; it does not block access to your file. |
A freeze can help block new-account fraud, but it does not prevent someone from taking over an existing account. Neither a freeze nor a fraud alert prevents every form of identity theft. CFPB explains how credit freezes work; IdentityTheft.gov lists recovery steps, including fraud alerts.
Independent reader supportYour contribution helps us test, update, and keep practical guides available for everyone.Frequently Asked Questions
What should I do if I am a victim of identity theft?
Contact affected companies through independently verified channels, secure or close compromised accounts, report the theft at IdentityTheft.gov, review your credit reports, and follow the recovery plan it creates.
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What is a credit freeze or security freeze on my credit report?
It restricts prospective creditors’ access to your credit file. A freeze is free, must be requested separately from each of the three nationwide credit reporting companies, and remains in place until you lift it.
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