The Credit Repair Organizations Act (CROA) governs how credit repair companies operate in the United States. It exists because the industry has a history of overpromising.
What CROA prohibits - Charging fees before services are performed - Making untrue or misleading statements - Promising specific score increases - Advising clients to create a "new identity"
What legitimate consulting looks like A reputable firm will explain the process, provide a written contract you can cancel, dispute only items you have grounds to challenge, and never guarantee outcomes.
Questions to ask - What are your fees and when are they charged? - What is your dispute process? - Do I have a written three-day right to cancel? - Are you clear that outcomes depend on my specific report?
Choosing an educator-consultant over a promiser is one of the most important decisions in this space.