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2. The laws behind credit repair - AOL

   www.aol.com/finance/laws-behind-credit-repair...

   Written contracts: Any credit repair agreement must be provided in writing, ... the FCRA entitles consumers to a free credit report from each of the three major credit bureaus once every 12 months

3. Don't fall for a credit repair scam: Clean up your credit for ...

   www.aol.com/finance/credit-repair-160240600.html

   While credit repair companies often claim they can "erase" bad credit or boost your scores, claims like these can be both false and misleading. Follow 5 steps to fix your credit without spending a ...

4. Different credit repair options: How they work and how to choose

   www.aol.com/finance/different-types-credit...

   The credit repair company will file disputes with the credit bureaus on your behalf. The credit reporting agencies have 30 days to respond to the dispute, or the items in question must be removed.

5. Consumer Credit Protection Act of 1968 - Wikipedia

   en.wikipedia.org/wiki/Consumer_Credit_Protection...

   The Consumer Credit Protection Act (CCPA) is a United States law Pub. L. 90–321, 82 Stat. 146, enacted May 29, 1968, composed of several titles relating to consumer credit, mainly title I, the Truth in Lending Act, title II related to extortionate credit transactions, title III related to restrictions on wage garnishment, and title IV related to the National Commission on Consumer Finance.

6. Credit Repair Organizations Act - Wikipedia

   en.wikipedia.org/wiki/Credit_Repair...

   The US Credit Repair Organizations Act ("CROA") is Title IV of the Consumer Credit Protection Act. Despite its name, it is not actually an act; Section 401 states, however, it can be referred to as "Credit Repair Organizations Act". The statute was signed by President Bill Clinton on September 30, 1996. [1]

7. Credit counseling - Wikipedia

   en.wikipedia.org/wiki/Credit_counseling

   Credit counseling is most often done by Credit counseling agencies that are empowered by contract to act on behalf of the debtor to negotiate with creditors to resolve debt that is beyond a debtor's ability to pay. Some of the agencies are non-profits that charge at no or non-fee rates, while others can be for-profit and include high fees.

8. What is the credit repair organization act? - AOL

   www.aol.com/finance/credit-repair-organization...

   The Credit Repair Organizations Act regulates companies that sell credit repair services. The law protects consumers by banning unfair or deceptive advertising and business practices.

9. Debt settlement - Wikipedia

   en.wikipedia.org/wiki/Debt_settlement

   Debt settlement (also called debt reduction, debt negotiation or debt resolution) is a settlement negotiated with a debtor's unsecured creditor.Commonly, creditors agree to forgive a large part of the debt: perhaps around half, though results can vary widely.