Superior Credit Repair
Credit Repair Laws You Must Know
Credit repair is 100% legal — but ONLY when done the right way. This page explains the laws enforced by the CFPB, FTC, and federal consumer protection rules that every credit repair company must follow.
Your Legal Rights Under Credit Repair Laws (CFPB & FTC) Credit repair IS legal — and federal law protects your ability to remove inaccurate or unverifiable information from your credit report. The problem is most people don’t know their rights. Superior Credit Repair uses the same federal statutes lawyers use to legally force removals. The two most important enforcement bodies are: ⚖ CFPB – Consumer Financial Protection Bureau Protects you from illegal reporting, debt collection violations, and furnisher abuse. ⚖ FTC – Federal Trade Commission Regulates abusive credit reporting practices and credit repair scams. Credit repair is governed by: 📌 FCRA – Fair Credit Reporting Act 📌 FCBA – Fair Credit Billing Act 📌 CROA – Credit Repair Organizations Act 📌 FDCPA – Debt Collection Practices Act These laws say: ➡ Bureaus MUST delete unverifiable information ➡ Furnishers MUST prove accuracy within 30–45 days ➡What This Page Covers
- CROA – Credit Repair Organizations Act
- FCRA – Fair Credit Reporting Act
- CFPB regulation of credit reporting
- FTC enforcement rules
- Illegal credit repair practices to avoid
The Credit Repair Organizations Act (CROA)
The CROA is the federal law that regulates ALL credit repair companies in the United States. It requires:
- NO upfront fees before work is performed
- A written contract disclosing ALL services
- A 3-day right to cancel with no penalty
- Truthful advertising — no false promises
- No advising consumers to mislead credit bureaus
❗ If a company takes money before doing work, THEY ARE BREAKING FEDERAL LAW.
FCRA – Fair Credit Reporting Act
The FCRA protects your right to fair and accurate reporting. Under this law, you may dispute:
- Inaccurate negative items
- Outdated information (over 7 years)
- Duplicate reporting
- Unverifiable debt
Credit bureaus MUST investigate disputes within 30–45 days.
CFPB – Consumer Financial Protection Bureau
The CFPB regulates credit bureaus, debt collectors, lenders, and credit repair organizations.
You can file complaints against:
- Credit bureaus failing to remove incorrect information
- Debt collectors reporting false data
- Lenders refusing to correct errors
- Credit repair companies breaking federal law
File complaints directly at: ConsumerFinance.gov
FTC – Federal Trade Commission Enforcement
The FTC enforces CROA and shuts down illegal credit repair companies every year.
Major RED FLAGS according to the FTC:
- “We can remove everything in 30 days”
- “We guarantee 800+ credit scores”
- “Use a CPN to start over with a clean identity”
- “Do not contact the credit bureaus yourself”
❗ ALL of these are illegal practices.
Your Legal Rights
- You have the right to dispute inaccurate information
- You have the right to a free credit report every 12 months
- You cannot be charged upfront for credit repair
- You can cancel any credit repair service within 3 days
Why People Still Hire Professionals
- We handle ALL disputes for you
- We communicate directly with bureaus & creditors
- We follow federal law on your behalf
- We help build NEW positive tradelines
Legal + Faster = Better Results
Want Legal, Compliant Credit Repair?
We follow every CFPB, FTC, and federal credit law — while fixing what is inaccurate and rebuilding what is missing.
📞 888-715-2400 • 📧 [email protected]
Get My Free Legal Credit EvaluationSuperior Credit Repair Online® is fully compliant with CROA, CFPB and FTC regulations.
