What are red flags to watch for in credit repair scams, and what legitimate steps can customers take to improve credit?

• A. Red flags include guaranteed results, charging upfront fees for removing negatives; legitimate steps include disputing errors, paying on time, reducing utilization, and building positive history.
• B. Red flags include free reports; legitimate steps include ignoring errors and spending more.
• C. Red flags include asking for a loan; legitimate steps include closing accounts to reduce usage.
• D. Red flags include offering to raise credit limits; legitimate steps include applying for many new credit lines.

Answer: (A)