Avoiding Scams - The Credit Repair Organizations Act - CREDIT FRAUD
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CREDIT FRAUD: Avoiding scams - the credit repair organizations act
By law, credit repair organizations must give you a copy of the "Consumer Credit File Rights Under State and Federal Law" before you sign a contract. They also must give you a written contract that spells out your rights and obligations. Read these documents before signing the contract. The law contains specific consumer protections. For example, a credit repair company cannot:
make false claims about their services;
charge you until they have completed the promised services; or
perform any services until they have your signature on a written contract and have completed a three-day waiting period. During this time, you can cancel the contract without paying any fees.
Your contract must specify:
the payment for services, including their total cost;
a detailed description of the services to be performed;
how long it will take to achieve the results;
any guarantees they offer; and
the company's name and business address.
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