It is a scam, but it's one that could save or cost you a lot of money over time.

 

There's an "art" to getting a higher score.  The hard part is figuring out the formula (that is constantly changing.)

 

I wouldn't pay anyone to better your score (there are "services" that will take your money and claim to do that.)

 

Instead, peek around the net and find out what's currently improving scores.  IIRC, one of the biggest factors, if not the biggest factor, is late pay/slow pay marks on your report.

 

I'd get a free copy of your report, then look it over for any errors.  Call and have the agencies reporting correct ALL errors, removing anything that could be harming you that's incorrect.

 

Good luck.  Fight hard... lower scores can cost you big over time in higher rates.

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