§ Claim under review · Fact
"Fresh off the press 🧾🎀 11 of 14 collections deleted in 30 days ✨ Over $28,000 in negative debt removed so far and the report is finally breathing again 💕📈 It's your turn 🚀🎀💕" (Instagram, @750meplease__, post dated 2026-09-02), accompanied by a "CLIENT RESULTS" graphic branded "750 Me Please Credit Academy" showing MyFreeScoreNow monitoring data.
Verdict
Unverified
Confidence
MediumSummary
A credit repair company posted a screenshot saying a client had 11 of 14 collections deleted in 30 days and over $28,000 in negative debt removed. This cannot be verified. Credit files are private, so no outsider can check whether the client, the deletions, or the balances are real, and the only evidence offered is an image the seller made. The caption also does not match its own screenshot: the image reports 29 deletions with 27 disputes still open, and its dates span 22 December 2025 to 2 February 2026, a 42 day window, not 30. The phrase "negative debt removed" is the biggest problem, because removing an item from a credit report does not cancel the debt. The Consumer Financial Protection Bureau confirms a collector can keep pursuing a debt after a dispute, and the Federal Trade Commission states no credit repair company can remove accurate, current negative information. Items deleted after a dispute can also be put back on a file later if the creditor certifies they are accurate, so a single dated snapshot is not a permanent result. General information only, not financial advice.
The readings
key figures from the evidencecollections claimed deleted in 30 days per Instagram caption
negative debt claimed removed per promoter caption
Why this verdict
Evidence
The business exists. "750 Me Please Credit Academy" has an active Facebook presence listing Columbia, South Carolina, and a Skool community page advertising managed dispute services. Nothing about the entity is fabricated.
The claimed client outcome cannot be independently verified by anyone outside the transaction. A consumer credit file is private. There is no register, filing, exchange record, or regulator channel where a specific client's deletions or balances can be checked. The only artifact offered is one the promoter produced.
On what deletion actually does, federal regulators are explicit. The FTC states that credit repair operations lure consumers by falsely claiming they can remove negative information from credit reports even when that information is accurate, and its business guidance states that "no credit repair company can remove accurate and timely negative information from someone's credit report." The CFPB lists as a warning sign any company claiming it can "guarantee a specific increase in your credit score" or delete accurate, current negative information. The CFPB separately confirms that disputing a debt does not extinguish it: a collector may continue to pursue a debt after verifying it.
On durability, consumer law sources describe the FCRA reinsertion mechanism: information deleted after a dispute can lawfully be put back on the file if the furnisher later certifies it as accurate, with the bureau required to notify the consumer in writing within five business days. A single dated snapshot therefore records a status on one day, not a permanent outcome.
The FTC's 2022 enforcement action against a credit repair operation shows the specific pattern the agency treats as unlawful: false promises to remove all negative items, plus illegal advance fees.
Findings
✓ What's accurate 4
- The advertiser exists and operates a credit repair and credit education service.
- Collection tradelines genuinely can be deleted from a credit report following a dispute, and the FCRA investigation window is 30 days, so a "deleted in 30 days" outcome is mechanically possible.
- Score movements of the magnitude shown (+23 to +36) are plausible when derogatory tradelines drop off a thin or damaged file.
- The screenshot's format is consistent with MyFreeScoreNow monitoring output, which is a real product.
≈ What's misleading 6
- **Fabrication risk not resolvable, and the framing treats a self-made image as proof:** the caption presents a promoter-generated graphic as documentation of an outcome. Under any evidentiary standard, a screenshot produced by the party selling the service proves nothing about the service. Regulators have repeatedly brought actions in this sector precisely because advertised results were not what was delivered.
- **Percent vs percentage points is not the issue here; the basis switch is debt versus tradeline:** the phrase "over $28,000 in negative debt removed" conflates removing a line item from a credit file with extinguishing a legal obligation. The CFPB is clear that a disputed debt can still be collected. If those balances were owed, the client still owes them. The wording invites a reader to believe $28,000 of liability disappeared.
- **Omitted qualifier:** no disclosure of whether these results are typical, what the client paid, how many items were reinserted afterwards, or whether the deleted items were inaccurate (the only lawful basis for deletion). The FTC's position is that accurate, current negative information cannot be removed by any credit repair company.
- **Temporal overreach:** a snapshot dated 2026-02-02 is presented as a settled outcome. Deleted items can be reinserted under the FCRA when a furnisher certifies accuracy, so a one-day status is not a durable result.
- **Date context mismatch:** the caption says "30 days" and "fresh off the press," while the graphic's own dates span 2025-12-22 to 2026-02-02, a 42 day window, in a post published 2026-09-02, seven months after the data was pulled.
- **Exaggeration:** "11 of 14 collections" is not the figure the accompanying artifact reports. The artifact reports 29 deletions and 27 disputes still open, and lists 12 furnishers. The headline number and the evidence offered for it do not match.
? What's uncertain 5
- Whether the client, the deletions, and the balances are real. Credit files are private and no third party can check this. This is unresolvable in principle, not merely unresolved.
- Whether the screenshot was altered. The depicted result is not arithmetically impossible, so there is no basis to call it doctored.
- Whether the deleted items were inaccurate or unverified (lawful deletion) or accurate items removed through aggressive dispute volume (which regulators treat as a temporary and potentially unlawful outcome).
- Whether any items were reinserted after 2026-02-02. The "27 Disputes On-Going" line suggests the process was incomplete at the snapshot date.
- Whether the firm charges advance fees, which CROA prohibits. Not investigated and not established either way.
Sources
7 of 7 linked to recordsFTC, "Debt Relief and Credit Repair Scams" topic page
FTC Business Blog, "FTC says credit repair company en-CROA-ched on consumer rights" (2019)
CFPB, "How can I tell a credit repair scam from a reputable credit counselor?"
FTC press release, "FTC Halts Deceptive Credit Repair Operation that Filed Fake Identity Theft Complaints" (2022)
CFPB, "Can a debt collector still collect a debt after I've disputed it?"
750 Me Please Credit Academy, Skool sales page and Facebook page (Columbia, SC)
Consumer law firm and industry explainers on FCRA reinsertion of previously deleted items (SmithMarco P.C.; Ware Law Firm)