Consumer Rights, Credit Repair Laws

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Under the Credit Repair Organization Act, a law enacted by The United States Congress to protect consumers engaged in Credit repair, it is illegal to charge upfront. A company asking you to pay upfront is breaking the law. Click here.

High costs, hidden fees and abusive tactics are not. Promising things which cannot be promised, or using words which are untrue, sensational or intended to confuse a consumer are not permitted and violate the CROA laws.

Promising a score is a part of every scammers pledge, however no one can predict or promise a score. There is no diploma or degree or special training that would allow someone to do this.

If a company promises a score rise, they are lying. Period.

If a company made promises it couldn't legally make or, hurt your consumer credit file, you have the right under the CROA laws, to sue for damages. If this is you, contact the Attorney General of your state or the Bar Association for guidance in choosing an attorney.

Some inventive credit repair companies have tried to bypass the CROA by using language which is deceptive, intended to make the consumer believe they do not have to comply to the CROA. This is not true. If a company has made suspicious claims, keep in mind nothing supersedes the CROA laws, this includes their contract or claims made by their lawyers.

All consumers under the CROA laws, have the right to do things themselves without having to pay a single cent to anyone for anything. Under the law, all credit repair agencies have to provide consumers with their rights unedited, their options in full and the disclosures required by the Federal oversight agencies.

All consumers should know about the CFPB, a federal agency dedicated to protecting consumer rights and providing oversight to companies selling financial services among other things. Click here.

Agency which protects a consumers rights, providing direct oversight to Credit repair Organizations, Companies and individuals engaged in Credit repair among other enterprises. This is the place to report credit repair scams and those which have defrauded consumer trusts. Click here.

Ashley Moody is the Attorney general of Florida and the Florida AG website is full of information designed to protect a consumers rights, especially when dealing with Credit Repair.

Visit the website or call them direct at:  1-866-9-NO-SCAM 

If you've been scammed or a victim of fraud when dealing with a Credit repair company, these people can and will help you. Click here.

A state wide investigative agency serving Florida, they are able to help with concerns involving fraud, consumer crimes and other issues. They work with various police agencies, commissions and oversight boards. Click here.

Federal Agency which lists information concerning Consumer Protection and Debt Collection Practices Laws among other information. Debt collectors and creditors have to follow the laws just like everyone else, visit the site and read up on topics of interest. Click here.

Yet not all of them are, in an age where big promises are commonplace, bigger scams are usually the result. Learn how things are actually supposed to be before you make a choice for Credit Repair representation. Not all cases are cases which can be taken, so a consultation without the high pressure sales tactics is recommended. Click here.

Links directly to the FTC where consumers can report scam Credit Repair companies and other defrauding the public trust. Click here.

Complaint form directly managed by the Office of The Attorney General of Florida, Ashley Moody. Click here.

Federal law is Federal Law, if you are not in Florida, please click the link at the end to search for the Ag of your state. Click here.