Is Your Credit Completely Out of Control?

Credit & Associates: What They Do and Why it Works

Credit and Associates is a company that offers financial services such as consulting, credit repair and debt settlement. These services are offered to a wide range of clients from large corporations and mortgage companies to individual consumers. Credit and Associates maintains a high credibility reputation as having a realistic approach and is known in the financial world for improving credit scores, diminishing large debt to manageable sums and establishing new credit. The bottom line? Credit and Associates provide services that work.

If you're interested in talking to us about any of our services:

• Fill out the free consultation form on the right
• Contact Us Here
• Or call toll free: 1-800-800-2112

Our Credentials

• FCRA Certified by the Consumer Data Industry Association
• Licensed, bonded and registered with the Attorney General
• Business Liability Insurance
• Consumer Law Attorney on board
• All audits sent out by US Mail or Certified mail. NO BULK MAILING
• Members of the Arizona Association of Mortgage Brokers (AAMB)

What Sets Credit & Associates Apart From The Rest?

The Federal Trade Commission and Credit Repair Fraud

Fraudulent credit repair companies have long been the target of FTC investigations, culminating most recently in Project Credit Despair which snared 20 credit repair companies in February 2006.

The Federal Trade Commission

In the United States, the Federal Trade Commission, or FTC, is liable for upholding laws regarding consumer protection. Also in the United States are dozens of illegitimate credit repair companies leeching on to corporations and consumers already troubled with debt. The FTC is well aware of these fraudulent credit repair services and focuses a large portion of its manpower investigating the organizations, attacking 20 of these companies head on in February of 2006.

Beware of credit repair services that request fees in advance

In light of their investigations, the Federal Trade Commission offers many warnings and guidelines to consumers and organizations seeking help in their financial crises. Any credit repair company wanting fees paid in advance should trigger a red flag in the mind of the consumer. At Credit and Associates, no fees are requested in advance to cover charges from legal services; these charges will only apply after the first month’s work and also after each month’s work there after.

Beware of credit repair services that don't disclose your rights

A second common warning from the FTC regarding fraudulent credit repair services is as follows: credit repair companies should always disclose consumer rights freely and up front, so watch out for ones that don’t. Credit and Associates simply offers legal advice to the companies and consumers who want to leave their mess at the hands of professionals. Every consumer or company has the right to attempt to repair debt or bad credit on their own.

Beware of credit repair services that advocate "new" identities

A third issue to look out for per the FTC is claims that the credit repair company can get you a “whole new identity!” These claims entail replacing social security numbers with an employer identification number, which is of course illegal.

Beware of credit repair firms that misrepresent their expertise

Lastly, consumers, corporations and business owners trying to repair their credit should be on the lookout for services that misrepresent their work experience. Many firms will state their years of experience based on the collective of the attorneys working there.

Beware of companies that imply FTC endorsement

Also those that claim they are supported or endorsed by the FTC. The FTC does not favor or back any of these credit repair services. The FTC does not endorse any business.

Anyone looking for a credit repair agency should do some very thorough research. The investment will surely prove to be worth while.