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The Credit Repair Organizations Act is a federal law that became effective on April 1, 1997 in response to a number of consumers who had suffered from credit repair scams. In effect, the law ensures that credit repair service companies:
Expert reviews for credit repair companies. The cost includes an initial setup fee which starts as low as $30. The monthly fee is $98 for a single enrollment and $69 each for joint enrollment. MSI guarantees a minimum of a 50 total point increase or they will refund their fee.
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The 1996 Credit Repair Organizations Act prohibits a variety of false and misleading statements, as well as fraud by credit repair organizations (CROs). CROs may not receive payment before any promised service is "fully performed."