Up Front Credit Repair Fees Are Illegal!

Up Front Credit Repair Fees Are Illegal!

Not a day goes by that we don't see some credit repair or credit restoration company attempting to charge up front credit repair fees, in spite of the fact that federal law says that up front credit repair fees are illegal. The Credit Repair Organizations Act or "CROA", which is the federal law that governs all credit repair and credit restoration companies in the United States, reads as follows:

(b)Payment in advance

No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.


Are you getting the point yet? No matter what clever name a credit repair company gives to up front fees for credit repair, they're still violating the law if they charge up front fees for credit repair. Here are a few examples:
"audit fees"
"file setup fees"
"review fees"
"application fees"

All of these are illegal! The only words that matter when talking about credit repair fees is "up-front". If you are asked to pay any money before the credit repair or credit restoration process is actually performed, please know that you're dealing with a company with little regard for the law. If they have that little regard for the law before you even begin, aren't you curious what other laws they're willing to break while handling something as critical as your credit reports? And if they simply don't know that what they're doing is illegal, how good do you think they are credit repair in the first place?

Omega Credit Repair does not, and has not ever, charged up front fees for credit repair, since its inception. For more information about credit repair fees with Omega Credit Repair, please check out our Fee Structure page.  As always, if you're thinking of hiring Omega to repair your credit, or if you have questions about credit repair, credit repair fees, or anything else credit repair related, please don't hesitate to call us at 214-733-8336!  Ω

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