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Credit Repair Organizations Act


The Credit Repair Organizations Act ("CROA") is not actually an Act, it is actually Title IV of The Consumer Credit Protection Act. Section 401 states, however, it can be referred to as "Credit Repair Organizations Act".

Now more than ever consumers must establish and maintain strong credit worthiness and standing in order to obtain more credit. As a result many consumers who have experienced credit problems seek assistance from credit repair organizations. Some credit repair organizations, however, advertise and engage in unfair business practices which result in financial hardship for consumers, particularly those of limited economic means or are uneducated.

The purposes of the Credit Repair Organizations Act is to ensure that prospective buyers credit repair services from credit repair organizations are provided with the information necessary to make an informed decision. It intends to protect the public from unfair or deceptive advertising and business practices by credit repair organizations. It enumerates prohibited practices, required disclosures, contract requirements, liability, and penalties for non-compliance and procedure to report non-compliance. The statute was signed by the President on September 30, 1996.