A good credit repair program is typically developed over thousands of hours and years of credit management experience in dealing with creditors, collectors and credit bureaus. A credit repair program uses consumer protection legislation, the Fair Credit Reporting Act (FCRA), the Fair and Accurate Credit Transaction Act (FACTA) and the Fair Debt Collection Practices Act (FDCPA) and other protections, to level the playing field when dealing with creditors. Credit repair, typically, starts with a review of an applicant's credit reports and developed based on specific goals and time available. For your protection, Credit Repair Companies are governed by the Credit Repair Organization Act (CROA)
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CROA, was established by congress and finds Consumers have a vital interest in establishing and maintaining their credit worthiness and credit standing in order to obtain and use credit.
The CROA , also establishes business practices credit repair companies are required to follow:
Credit repair companies are required to provide information necessary to consumers to make informed decisions. CROA governs marketing, including advertising and payment terms.
As a result of CROA, consumers who have experienced credit problems may seek assistance from credit repair organizations which offer to improve the credit standing of such consumers.
If you have a credit repair question in Texas. Give Consumer Credit Capital a call for your free evaluation:
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