The credit report repair organization act stipulates that you are entitled to a copy of free consumer credit file before you sign any contract. The contract must also be written and spell out your right and obligations.
It is advisable to always read the documents that consists of the contract before signing; signing means that you have agreed to the terms and you are committing yourself to following and fulfilling them.
The company is cautioned against making false claims about their services and goods which would mislead you into buying from them. If company indulges in such practice, which is information fraud, the consumer may have good basis to dispute the payments and eventual negative entry in their report
They are not supposed to charge you for their services till they have provided it. This rule is the most contravened on by the fraudulent online bad credit fixers who insist on payments before commencing their service provision. Any company that does this should be reported to the consumer protection organizations to have their licences revoked.
No service provision should commence until the terms of the contract are agreed upon and the signatures appended on the contract; a three day waiting period must be provided to allow the consumer to re examine, adjust or cancel the contract in general; in case the contract is cancelled before any service is provided no fees should be deducted or paid by the consumer.
Also any misinterpretation, concealing of information or fraudulent information given would render the contract null and void they cannot have any recourse to the free credit report posting.
