The Credit Repair Organizations Act

The Credit Repair Organizations Act prohibits making false claims about credit repair. It makes it a crime for companies to collect all credit repair fees from an individual prior to services being rendered. It requires that these companies inform you about your legal rights. It demands that a credit repair company provide information about your legal rights in a written contract, which also must detail the services the company will provide you with, the duration of the services, the timeline before results can be expected, the total cost of the repair and any guarantees that are offered.

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