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Credit Repair

Know Your Rights Before Paying Credit Repair Companies

The cost of using a credit repair company can be considerable, ranging from hundreds to thousands of dollars. There isn’t anything that a credit repair service is able to legally do for you — even removing wrong information — that you can’t do for yourself for little or no expense. Consumers have the right to work directly with a credit reporting agency to challenge any inaccurate or incomplete information in their credit report.

The Credit Repair Organizations Act, a federal law that became effective on April 1, 1997, was created due to the number of consumers who have suffered from a credit repair scam.
Under the act, credit repair services:

Are prohibited from taking consumers’ money until they fully complete the services they promise.
Are required to provide consumers with a written contract stating all the services to be provided and the terms and conditions of payment. Under the law, consumers have three days to withdraw from the contract.
Are forbidden to ask or suggest that you mislead credit reporting companies about your credit accounts or alter your identity to change your credit history.
Cannot knowingly make deceptive or false claims concerning the services they are capable of offering.
Cannot ask you to sign anything that states that you are forfeiting your rights under the Credit Repair Organizations Act. Any waiver that you sign cannot be enforced.