Is Credit Repair Legal

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Is Credit Repair Legal?

• For those who are searching for assistance with
  their less-than-great credit score, credit repair
  is certainly an option to consider. However,
  before working with just any company that
  promises to help improve credit scores and
  dispute discrepancies on a report, it is
  important to determine whether or not a
  particular company is operating within the
  boundaries of the law. What many individuals with
  bad credit dont realize is that repairing their
  credit is legal when it is done within the
  confines of the law as dictated by the Credit
  Repair Organizations Act (CROA). This federal act
  deems fit what credit reparation companies are
  permitted and not permitted to do when it comes
  to fixing credit scores and eliminating debt.
  Take a look at some of the important stipulations
  that these companies are required to adhere to by
  the (CROA).
• A clear and detailed contract must first be
  received by the individual seeking credit repair
  services prior to any repair company performing
  services for them. It is typical for these
  contracts to include a description of services to
  be performed, payment for these services and time
  frame for completion.
• Repair organizations are never permitted to ask
  for payment prior to providing service to an
  individual. Any company that asks for upfront
  payment for their services should be shied away
  from, as these could be potential scams.
• Companies should never alter the identity of
  their users or attempt to illegally alter their
  credit history. All reparation services should be
  performed within the confines of the law, never
  misrepresenting the client or their history.

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• Services that are provided to an individual by a
  credit reparation company can never be
  misrepresented. This means that the services
  provided by the company must be those that are
  discussed with the individual seeking their
  services, no less.
• Repair companies who attempt to misrepresent or
  lie about an individuals credit history are
  breaking the law.
• Any individual who is looking to work withuse any
  credit services should first gain some insight
  into what the Credit Repair Organizations Act
  explains as the restrictions of the repair
  companies and the rights of the individual
  seeking for their services. There are a number
  ofscam credit reparation companies that exist, so
  it is important to be aware of the legal
  restrictions placed on the type of service you
  are looking for. If for any reason a company is
  not operating within these specific stipulations,
  the individual should certainly report them to
  their state attorney general.

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  -legal/