Last updated: June 2026
Important Notice
FixMy.Money provides software tools for credit repair professionals. We do not provide legal advice. Users are solely responsible for ensuring their business practices comply with all applicable federal and state laws. Consult a qualified attorney for legal guidance.
CROA governs credit repair organizations and requires specific disclosures, prohibits advance fees in certain circumstances, and mandates written contracts. Users of FixMy.Money are solely responsible for CROA compliance in their business operations.
The FCRA regulates how consumer credit information is collected, used, and shared. Credit repair professionals must understand FCRA provisions related to dispute rights, permissible purpose, and consumer disclosures.
The FTC's TSR restricts advance fees for credit repair services sold via telemarketing. If you market your services by phone, you must comply with TSR requirements.
Many states have additional credit repair laws beyond federal requirements. Some states require registration, bonding, or specific disclosures. Consult a qualified attorney familiar with your state's laws.
CROA requires specific written disclosures to clients before any services are performed. FixMy.Money provides disclosure templates, but you are responsible for ensuring they meet current legal requirements in your jurisdiction.
Federal law prohibits credit repair organizations from making false or misleading representations. Do not guarantee credit score improvements, item removals, or specific outcomes. Results depend on individual circumstances.
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