anonymous
Illegal Credit Repair Company
This is an illegal credit repair company. This business does not have a surety bond and does not have a DOJ certificate as required by state law; this is a misdemeanor under California law. Moreover, this illegal credit repair company sent me a written contract asking for an upfront payment of $150.00. This is a violation pursuant to both federal and state laws (Credit Repair Organizations Act 15 U.S.C. S§ 1679-1679j; and Credit Services Act of 1984 Cal.Civ. Code §1789.10 - 1789.26.) State law: "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. Federal law: "The Act bars companies offering credit repair services from demanding advance payment." Additionally, this illegal company is posting signs unlawfully throughout Los Angeles city and county (on traffic signs and utility poles, etc.) in violation of citywide regulations and municipal codes. Don't do business with this illegally operating business. You do not have to pay upfront or make advanced payments for credit repair services. Also, they charged me money and required a debit/credit card for my credit report. Under federal law, you can obtain your credit reports for free.