At Innovative Credit Solutions, we help you figure out what the best credit repair option is… for YOU. Millions of Americans have been struggling with their finances as a result of tough economic times in recent years, and stopping scammers from stealing consumers’ last dollars is an ongoing priority for the Federal Trade Commission. The FTC has a range of tools to do this, including the FTC Act, which prohibits unfair or deceptive business practices. The agency also takes action by issuing regulations to protect consumers, including rules covering mortgage foreclosure assistance services, credit reports, mortgage advertising, debt relief services sold by telemarketers and other financial products and services. The FTC’s authority covers for profit entities such as mortgage companies, mortgage brokers, creditors, and debt collectors – but not banks, savings and loan institutions, and federal credit unions. The agency also has law enforcement and, in some cases, regulatory powers under the Truth in Lending Act, the Home Ownership and Equity Protection Act, the Consumer Leasing Act, the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, the Equal Credit Opportunity Act, the Credit Repair Organizations Act, the Electronic Funds Transfer Act, and the privacy provisions of the Gramm Leach Bliley Act. FreeScore delivers your credit scores based on credit information from each of the major bureaus TransUnion, Equifax, and Experian.

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High risk accounts will have higher fees that can eat up profits, but trying to circumvent the system by falsifying an application for a merchant account is not an option.