Long Island Car Dealerships Caught Selling Credit Repair & Identity Protection

Two car dealerships located in Long Island, New York announced settlement with state prosecutors after they it was determined the dealerships were selling add on products to customers, which included illegal credit repair and identity theft protection.  The dealers were using misleading and deceptive practices to encourage car buyers to sign up for additional services, while charging them upfront, a violation of state and federal law.  Additionally, the dealers were including the cost of these add-on’s in the contract price of the vehicle, where by law, any after sale items must be itemized separately so the customer knows the exact sale price of the car itself.

In total, the two dealerships will be required to refund over $118,000 to customers and pay approximately $10,000 in penalties and fines.

Schneiderman’s office has been cracking down on the practice known as “jamming,” in which unscrupulous dealers sell consumers add-on’s they didn’t request or desire, sometimes concealing the sales from consumers or misrepresenting the services as free.  

An attorney for Westbury Jeep Chrysler Dodge and Fiat, Stuart Rosenthal of White Plains, said his client sold credit and identity theft services supplied by a vendor, Credit Forget It, which was shut down last year under a consent order with Attorney General Eric T. Schneiderman’s office.

“The dealership believed the product was appropriate and legal, and sold it for what it believed was a fair price to consumers,” he said.

 Read the full story at newsday.com.

How To Fix Your Credit Yourself


Most people generally believe they don’t have the knowledge or time to properly fix their own credit without the assistance of a professional credit repair service.  In some cases, when there are extreme issues such as multiple charge-off accounts, collections and bankruptcies, a credit repair service may be the best option.  But in many cases, individuals can easily take repairing their credit on with out much difficulty.

All you’re really trying to do is have any negative items or reporting errors removed & corrected on your credit reports.  This goes a long way in helping to improve your credit scores.  Keep in mind, you are not likely to have legitimate negative items such as delinquent payments, outstanding unpaid debts and loan defaults removed from your credit reports before the allotted time for these accounts has expired.  You can however, ask the credit bureaus to remove unauthorized credit inquiries, outdated negative items & accounts from your credit reports.

Learn More About How To Fix Your Credit On Your Own.