Sentences with phrase «credit repair organizations as»

First Bankcard and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.

Discover Financial Services and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.

HSBC Bank USA, N.A. and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.

Note: Maine regulates credit repair organizations as «loan brokers» and applies the full set of registration and other requirements that apply to brokers of loans to credit services organizations.

First Bankcard and FICO are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.

Bank of America and Fair Isaac are not credit repair organizations as defined under federal or state law, including the Credit Repair Organizations Act.

Further, you may not create a hypertext link to this Site if you are a credit repair organization as defined in the federal Credit Repair Organizations Act or similar state laws.

SoFi is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act.

Not exact matches

Just as in Ohio, Texas lenders started defining themselves as credit repair organizations, which, under Texas law, can charge steep fees.

The Act came about as a response to evidence that credit repair organizations were cheating money out of consumers looking to improve their credit scores by claiming to remove negative items from credit reports.

As a Proven Business Process Backend processing firm to hundreds of credit repair organizations, automobile dealers, mortgage brokers and lenders nationwide, SCORE, manages the dispute process on behalf of their clients and

As a Proven Business Process Backend processing firm to hundreds of credit repair organizations, automobile dealers, mortgage brokers and lenders nationwide, SCORE, manages the dispute process on behalf of their clients and achieves Strong Consistent Outsourcing Results Everyday.

(B) «Credit repair services organization» does not include: (i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 - 1Credit repair services organization» does not include: (i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 - 1credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 - 1Credit Reporting Act (15 U.S.C. 1681 - 1681t).

Other than to its employees, contractors and affiliated organizations, as described above, Best Credit Repair discloses potentially personally - identifying and personally - identifying information only in response to a subpoena, court order or other governmental request, or when Best Credit Repair believes in good faith that disclosure is reasonably necessary to protect the property or rights of Best Credit Repair, third parties or the public at large.

As an organization of dedicated credit repair specialists, our objective is to help clients increase their credit scores by as many as 150 + pointAs an organization of dedicated credit repair specialists, our objective is to help clients increase their credit scores by as many as 150 + pointas many as 150 + pointas 150 + points.

National Credit Federation is commonly referred to as NCF, is a nationwide, membership - based credit repair organizCredit Federation is commonly referred to as NCF, is a nationwide, membership - based credit repair organizcredit repair organization.

Another investment you can make with your tax refund is to utilize the professional credit repair services of an organization such as Ovation Credit Sercredit repair services of an organization such as Ovation Credit SerCredit Services.

[FN6] A credit repair organization, as defined by the CROA, is any person who uses an instrumentality of interstate commerce or the mails to provide services that improve a consumer's credit, or provide advice or assistance to any consumer regarding his or her credit.

As a law firm, it maintains strict adherence to federal laws and state regulations that govern credit repair organizations.

Advance fees have been couched as «deposits» under a contract for services, or as fees that will be returned only after successful completion of the credit repair program (the term «successful» being strictly defined by the credit repair organization).

[FN40] Therefore, as a practical matter, credit repair organizations regulated in Florida are for - profit corporations providing credit services which are not otherwise regulated.

Some credit repair organizations have reorganized as § 501 (c)(3) organizations in order to continue certain deceptive practices as well as to increase profits.

Certain organizations actually forego a hands - on financial services approach and simply provide limited services, such as mailing literature or holding a training seminar, in order to provide the tools to «repair» a consumer's credit.

While this case was poorly defended and involved egregious facts of alleged wrongdoing that bear no resemblance to the operations of present - day legitimate credit counseling agencies, including those of Cambridge itself, the court took a broad view of the definition of a credit repair organization and, as a result, the scope of CROA.

In a recent opinion handed down in Zimmerman v. Puccio it was determined that non-profit credit counseling organizations operate as a «credit repair organization» as defined under the Credit Repair Organizations Act («CROA&racredit counseling organizations operate as a «credit repair organization» as defined under the Credit Repair Organizations Act («CROA&racredit repair organization» as defined under the Credit Repair Organizations Act («CROA&rarepair organization» as defined under the Credit Repair Organizations Act («CROA&raCredit Repair Organizations Act («CROA&raRepair Organizations Act («CROA»).

[FN7] Credit repair organizations are barred from making statements which are untrue or misleading with respect to a consumer's credit, [FN8] such as statements that encourage the alteration of a consumer's identificCredit repair organizations are barred from making statements which are untrue or misleading with respect to a consumer's credit, [FN8] such as statements that encourage the alteration of a consumer's identificcredit, [FN8] such as statements that encourage the alteration of a consumer's identification.

Some state laws define terms and reiterate business and financial industry laws as they relate to the credit repair organizations operating within their state.

~ John Wilson John Wilson is certified as both a Board Certified Credit Consultant and Certified Credit Score Consultant by the Credit Consultants Association, a non-profit organization for the certification of Credit Repair companies.

As a Business Process Back - end Processing Firm to credit repair organizations, automobile dealers, mortgage brokers and lenders nationwide, S.C.O.R.E. manages the dispute process on behalf of clients and provides «Strong Consistent Outsourcing Results Eachday.»

We recently received a dispute regarding your credit report from a third party that we believe operates as a credit repair organization.

The exemption provided for in this Paragraph does not apply when a certified public accountant is paid a fee by a client solely for the purposes of providing services, directly or indirectly, as a credit repair services organization defined in Paragraph (A)(4) of this Section.

E. Any person who acts as a credit repair services organization without complying with the provisions of this Part shall be subject to forfeiture of the compensation attributable to a particular client and received by the credit repair services organization in connection with credit repair services activity for that client.

C. No person shall conduct business as a credit repair services organization without first having obtained a license from the commissioner and paying a five hundred dollar application fee.

After notice and opportunity to be heard as provided in the Administrative Procedure Act, the commissioner may revoke or suspend the license of a credit repair services organization that:

The exemption provided for in this Paragraph does not apply when an attorney is paid a fee by a client solely for the purposes of providing services, directly or indirectly, as a credit repair services organization as defined in Paragraph (A)(4) of this Section.

(14) Advertises as a credit repair services organization without being properly licensed as required by this Part or advertises as a credit repair services organization in a manner determined by the commissioner, in his discretion, to be in violation of any provision of this Part or any rule or regulation promulgated pursuant to this Chapter or 15 U.S.C. 1679.

(1) Charge a buyer or receive from a buyer money or other valuable consideration unless the credit repair services organization has obtained, in accordance with R.S. 9:3573.4, a surety bond issued by a surety company authorized to do business in this state or has established and maintains a trust account at a federally insured bank or savings association located in this state in which the amount required by R.S. 9:3573.4 (E) is held in trust as required by R.S. 9:3573.4.

(2)(a) Each credit repair services organization required to be licensed under this Part shall maintain in its offices such books, records, and accounts of its credit repair services activities as the commissioner may require in order to determine whether such credit repair services organization is complying with the provisions of this Part and the rules and regulations promulgated under the provisions of this Chapter, including, but not limited to, copies of all documentation regarding customer transactions, itemization of all monies received and disbursed, and documentation showing what services were performed for all monies received.

(5) A person licensed to practice law in this state while acting within the course and scope of the person's practice as an attorney, and when such attorney is not actively and principally engaged as a credit repair services organization and such attorney's credit repair services are ancillary to the providing of other legal services.

(7) Directly or indirectly, as determined by the commissioner, through any affiliate, subsidiary, related person, or otherwise, charge or receive any money or other consideration or thing of value for the performance of any service which the credit repair services organization has agreed to perform, or represented that it will perform, for any buyer before such service is fully performed.

(7) Certified public accountants licensed to practice their profession in the state of Louisiana, while acting within the course and scope of their practice as a certified public accountant, and when such certified public accountant is not actively and principally engaged as a credit repair services organization and such certified public accountant's credit repair services are ancillary to the providing of other accounting services.

GOFreeCredit and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

GOFreeCredit and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.