Have you seen the red signs in your community offering to erase bad credit? The Better Business Bureau has checked it out and the website and phone number are to Weinstein, Goldberg and Associates that say they “will remove bad debt from your credit report”. There are laws protecting consumers who wish to consolidate debt and agencies offering help with debt relief need to be licensed with the State of Kansas. The Office of the State Bank Commissioner in Topeka offered the following advice: “The Office of the State Bank Commissioner regulates the credit repair industry. Generally, credit repair companies require a registration from our office. We receive and investigate complaints from Kansas consumers who have dealt with unregistered credit repair companies. As with many areas of personal finance, it’s best to investigate a company before agreeing to pay any money to a company that offers to improve your credit record. The Office of the State Bank Commissioner maintains a website listing all the persons authorized to offer credit repair services to Kansas consumers. That website is located at http://www.osbckansas.org. Our office is happy to answer any questions regarding this industry. Our toll free phone number is 1-877-387-8523.” This Business is not Accredited with the BBB in Kansas. The BBB wants consumers to be cautious when paying upfront fees to anyone. The BBB has a list of businesses that re Accredited and licensed with the State offering help with debt relief, feel free to give us a call at 1-800-856-2417