I am immensely grateful that the pandemic, in its own peculiar way, presented me with the opportunity to save money and devote time to rectifying my credit score, ultimately enabling me to pay off all my debts within the span of that very year.Emboldened by this newfound financial stability, I ventured into the realm of real estate by earnestly exploring available condominium options in Las Vegas, Nevada.

Being incompetent (not saying they are or are not just making the statement) is not considered fraud or a scam.

NEVER pay for those programs, they are mostly scams to make the people who offer them money and they will try to sell you another program.Real estate is unlikely to make you a lot of money quickly.

We have found houses the traditional way - through the Multi Listing Service (MLS), through foreclosure auctions, off of craigslist (that really weren't scams!)

Throughout several years of operating like this, I have not been harmed, scammed, or stolen from.

The vibe I am getting is that there are a bunch of these companies out there and maybe they are good or maybe they are just a scam.

The banking industry is such a scam...

Most seem like scams to me. 

That bank is going to pull a SVB if they are actually offering those terms and aren't a scam

I have not had any applicants attempt to scam me, but I hear about it all the time from landlords and property managers in larger cities.