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The Federal Trade Commission (FTC) and the Fair Credit Reporting Act (FCRA) have laws and regulations in place that credit repair companies must abide by. Here are some of the main laws and rules that credit repair companies must comply with:

Credit repair companies cannot make false or misleading statements, such as guaranteeing that they can remove negative items from a credit report.
Credit repair companies cannot charge customers before services are rendered.
Credit repair companies must provide customers with a written contract that states the terms and conditions of the services to be provided, including a detailed description of the services to be performed, the total cost of the services, and the customer's right to cancel the contract within three days.
Credit repair companies must inform customers of their right to dispute inaccurate information on their credit reports directly with the credit reporting companies.
Credit repair companies must provide customers with a copy of the "Consumer Credit File Rights Under State and Federal Law" before entering into any contract.
Credit repair companies cannot advise or help customers to create a new credit identity.
Credit repair companies must investigate disputes in a timely manner and must correct any errors in the credit report if the dispute is found to be valid.
Credit repair companies must provide the consumer with a detailed explanation of the results of the investigation.
Credit repair companies must provide consumer with a copy of the consumer credit file after the completion of the investigation.

It's important for credit repair companies to follow these laws and regulations to ensure that they are operating ethically and legally. Consumers should be aware of their rights and should choose a credit repair company that is reputable and follows these laws to avoid any potential scams or frauds.

The Federal Trade Commission (FTC) and the Federal Communications Commission (FCC) have specific rules and regulations in place for credit repair companies. Here are a few key requirements to be aware of:

FTC Credit Repair Organizations Act (CROA): This law requires credit repair companies to provide customers with a written contract that explains their rights and the services that will be provided. The company must also wait three days before starting work, so that the customer has time to cancel the contract if they wish.
FTC Telemarketing Sales Rule (TSR): This law applies to companies that sell credit repair services over the phone. It requires companies to disclose certain information to consumers before they make a purchase, including the total cost of the services, and any guarantees they offer.
FTC Fair Credit Reporting Act (FCRA): This law regulates how credit reporting agencies and credit repair companies handle consumer credit information. It requires companies to provide consumers with a copy of their credit report, and to correct any errors on the report.
FCC Telemarketing Sales Rule (TSR): This law applies to companies that sell credit repair services over the phone. It requires companies to disclose certain information to consumers before they make a purchase, including the total cost of the services, and any guarantees they offer.
FTC and FCC's Do Not Call Registry: Credit repair companies are not allowed to call numbers on the National Do Not Call Registry.

It's important to note that these are just some of the key regulations, and credit repair companies must also comply with all applicable state and federal laws and regulations, such as the Regulation V and the Fair Credit Billing Act (FCBA).

If you are a "special case" meaning, there are a multitude of issues and hard to remove items then contact us to get a customized plan for your credit repair.

The Federal Trade Commission (FTC) and the Fair Credit Reporting Act (FCRA) have laws and regulations in place that credit repair companies must abide by. Here are some of the main laws and rules that credit repair companies must comply with:

Credit repair companies cannot make false or misleading statements, such as guaranteeing that they can remove negative items from a credit report.
Credit repair companies cannot charge customers before services are rendered.
Credit repair companies must provide customers with a written contract that states the terms and conditions of the services to be provided, including a detailed description of the services to be performed, the total cost of the services, and the customer's right to cancel the contract within three days.
Credit repair companies must inform customers of their right to dispute inaccurate information on their credit reports directly with the credit reporting companies.
Credit repair companies must provide customers with a copy of the "Consumer Credit File Rights Under State and Federal Law" before entering into any contract.
Credit repair companies cannot advise or help customers to create a new credit identity.
Credit repair companies must investigate disputes in a timely manner and must correct any errors in the credit report if the dispute is found to be valid.
Credit repair companies must provide the consumer with a detailed explanation of the results of the investigation.
Credit repair companies must provide consumer with a copy of the consumer credit file after the completion of the investigation.

It's important for credit repair companies to follow these laws and regulations to ensure that they are operating ethically and legally. Consumers should be aware of their rights and should choose a credit repair company that is reputable and follows these laws to avoid any potential scams or frauds.

FTC Credit Repair Organizations Act (CROA): This law requires credit repair companies to provide customers with a written contract that explains their rights and the services that will be provided. The company must also wait three days before starting work, so that the customer has time to cancel the contract if they wish.
FTC Telemarketing Sales Rule (TSR): This law applies to companies that sell credit repair services over the phone. It requires companies to disclose certain information to consumers before they make a purchase, including the total cost of the services, and any guarantees they offer.
FTC Fair Credit Reporting Act (FCRA): This law regulates how credit reporting agencies and credit repair companies handle consumer credit information. It requires companies to provide consumers with a copy of their credit report, and to correct any errors on the report.
FCC Telemarketing Sales Rule (TSR): This law applies to companies that sell credit repair services over the phone. It requires companies to disclose certain information to consumers before they make a purchase, including the total cost of the services, and any guarantees they offer.
FTC and FCC's Do Not Call Registry: Credit repair companies are not allowed to call numbers on the National Do Not Call Registry.

It's important to note that these are just some of the key regulations, and credit repair companies must also comply with all applicable state and federal laws and regulations, such as the Regulation V and the Fair Credit Billing Act (FCBA).

If you are a "special case" meaning, there are a multitude of issues and hard to remove items then contact us to get a customized plan for your credit repair.