This Credit Repair Commercial, Line by Dishonest Line

 

From the "let's pretend we are asking random photogenic people on the street about (fill in the blank") collection...

Spokeschoad:  "What's a good credit score?"

"Random" person:  "Um...600?"

S:  "Maybe...if you want to pay thousands of dollars extra in interest."

In fact:  A credit score of 600 lands you solidly in the "Fair" category.  "Good" starts at 670.  Certainly "Fair" isn't "good," but it's not "Poor" either.  If you are a young person- as this "random passerby" seems to be, it's actually pretty typical.

Spokeschoad:  "Will paying your bills fix your credit?"

"Random" person:  "YES!"

S:  "So confident!  But No!"

In fact:  The reason why this passerby was "so confident" in believing that paying bills will fix credit may be because she knows that it's the No. 1 factor in determining credit score.  Paying each bill on time, every time- and paying delinquent bills- most definitely DOES improve one's credit score.*  So smarmy, grinning jackass spokeschoad is just being dishonest here.   He's telling this person- and US- that we can't improve our credit score by paying our debts.  This isn't twisting the truth.  It's denying it.  It's a lie. 

Spokeschoad:  "Is credit repair expensive?"

"Random" person:  "Isn't having bad credit expensive?"

S:  "MY MAN!"

In fact:  This is the closest Spokeschoad comes to being honest, and he does it with a Yeahbutwhatabout non-argument.  Credit repair isn't expensive - in fact, it's free.  Just avoid using Creditrepair.com or any other BS "pay us to do what you can do all by yourself" service.  The "Isn't having bad credit expensive" line is technically correct, but the implication that your choice is Bad Credit or engaging Creditrepair.com is most definitely not.  This commercial tells us that 1) we need a very high credit score to avoid getting ripped off, 2) we can't get a very high credit score even by being a good credit risk, and therefore 3) we need to hire this company.  Period.  End of story.

Well, almost.  End of story should include one of these random people being verbally mugged by this smarmy jackass giving that smarmy jackass a solid kick to the teeth.  Maybe that actually happened but was edited out along with all of the responses that sounded too much like "that's incorrect; if you pay your debts and keep your bills paid up, your credit will improve, nice try spokeschoad." 

*35% of one's credit score is based on payment history.  Another 30% is based on amount of credit used:

https://www.cnbc.com/select/average-credit-score-by-state/#:~:text=Here%20are%20the%20top%2010%20states%20with%20the,Hampshire%3A%20729%209%20Nebraska%3A%20728%2010%20Hawaii%3A%20727