Скачать или смотреть The FTC Just Warned About These 'Credit Experts'

Are you seeing videos telling you to “wipe your credit clean” by filing FTC Identity Theft Reports or police reports on accounts you actually recognize? This video exposes one of the most dangerous trends in credit repair right now — and how it can seriously backfire.

Lately, fake credit gurus on social media have been pushing people to file false identity theft claims as a so-called “credit hack.” What they don’t tell you is that filing false FTC reports or police reports can lead to serious legal consequences and make your situation worse, not better.

In this video, I explain:

Why fake FTC Identity Theft Reports are spreading online

How false police reports can turn into real legal problems

What the FTC actually says about these tactics

Why these “credit washing” methods are risky and unnecessary

How real consumer advocacy and lawful credit repair actually works

There is no need to lie, commit fraud, or file false reports to improve your credit. The law already gives consumers powerful rights under the Fair Credit Reporting Act (FCRA) to challenge inaccurate, incomplete, or unverifiable information.

At Fred Livai Financial, we operate as a consumer advocacy firm — not a gimmick-based credit repair company. Our focus is on lawful strategies, proper investigations, and protecting consumers from bad advice that can cause long-term damage.

If you’re serious about fixing your credit the right way, without risking your future, this video is for you.

Comment or DM the word CLEAN to get guidance on how to approach credit repair safely and legally.

Disclaimer: This video is for educational purposes only and does not constitute legal advice.