Credit repair services can not insist that you pay it before they’ve done any work or tell you not to contact the credit bureaus directly. If they do this, then you’re likely dealing with a scam. Credit repair scams often tell individuals to dispute accurate information, lie on their credit or loan applications, and avoid explaining their rights when telling you about the services they provide.
If you feel that the money you’ve invested into your credit repair company has been wasted because they did not provide the services they said they would, then you can sue them. You could sue the credit repair company in federal court for your losses or what you paid the company, depending on which is more.
You also could seek punitive damages because the company violated the law, and lastly, you could join others in a class-action suit against the company. If you have a problem with a credit repair company, you can report it to the Florida state attorney general