Glossary

CROA

Federal law (15 U.S.C. §1679) regulating credit repair organizations. Prohibits guarantees of specific score outcomes.

The Credit Repair Organizations Act (CROA), 15 U.S.C. §1679, is the federal law regulating credit-repair organizations. Key consumer protections: 3-day right to cancel any contract, no upfront payment before services are performed, no guarantees of specific outcomes.

CROA prohibits any credit-repair service — including the largest legal firms — from guaranteeing a specific score increase or item removal. Anyone who promises "100 points in 60 days" is violating federal law.

Also called

Credit Repair Organizations Act

Related terms

FCRA

The Fair Credit Reporting Act, 15 U.S.C. §1681 — federal law governing how credit reporting works.

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