The Credit Repair Organizations Act (CROA) course.
Welcome to the Credit Repair Organizations Act (or “CROA”) course at Credzu University.
The CROA is a federal law that regulates the activities of credit repair companies, nationwide. The CROA prohibits certain behavior and imposes certain obligations on credit repair companies.
This course covers:
- The history of consumer harm that lead to the passage of the CROA.
- The legislative history of the CROA.
- What the CROA says (and how its interpreted)
- What you can and should do in order to come into compliance with the CROA.
By the end of this course, you will have a better understanding of the CROA and how your company can comply with it.
About the Credit Repair Organizations Act course.
This video lesson introduces you to the Credit Repair Organizations Act course.
This lesson explains what you should expect to learn from the CROA course.
This lesson explains that this course is compliance education, not legal, tax, or financial advice.
This lesson introduces you to the instructors of the course.
This quiz makes sure you understand the introduction to the course.
About the Credit Repair Organizations Act course.
This video lesson introduces you to the Credit Repair Organizations Act course.
This lesson explains what you should expect to learn from the CROA course.
This lesson explains that this course is compliance education, not legal, tax, or financial advice.
This lesson introduces you to the instructors of the course.
This quiz makes sure you understand the introduction to the course.
Legislative history of the Credit Repair Organizations Act.
A significant history of consumer harm caught the attention of Congress.
This lesson explores the legislative history of the Credit Repair Organizations Act.
Legislative history of the Credit Repair Organizations Act.
A significant history of consumer harm caught the attention of Congress.
This lesson explores the legislative history of the Credit Repair Organizations Act.
Findings and purposes of the Credit Repair Organizations Act
This lesson reviews Congressional findings in the Credit Repair Organizations Act.
This lesson explores the purposes of the Credit Repair Organizations Act.
Findings and purposes of the Credit Repair Organizations Act
This lesson reviews Congressional findings in the Credit Repair Organizations Act.
This lesson explores the purposes of the Credit Repair Organizations Act.
Definitions in the Credit Repair Organizations Act
This lesson presents the definitions contained in the Credit Repair Organizations Act.
This lesson covers the "interstate commerce" provision in the definition of a credit repair organization.
This lesson explores the meaning of the word "represent" in the definition of a credit repair organization.
This lesson explains why compensation is required in order to trigger the Credit Repair Organizations Act.
This lesson explains that the CROA covers "express" and "implied" representations of credit improvement.
This lesson covers "advice or assistance" terms in the CROA.
This quiz tests the student's knowledge of CROA definitions.
Definitions in the Credit Repair Organizations Act
This lesson presents the definitions contained in the Credit Repair Organizations Act.
This lesson covers the "interstate commerce" provision in the definition of a credit repair organization.
This lesson explores the meaning of the word "represent" in the definition of a credit repair organization.
This lesson explains why compensation is required in order to trigger the Credit Repair Organizations Act.
This lesson explains that the CROA covers "express" and "implied" representations of credit improvement.
This lesson covers "advice or assistance" terms in the CROA.
This quiz tests the student's knowledge of CROA definitions.
Prohibited practices
This lesson explains that two conditions must be met before credit repair service can begin.
The lesson explains that the CROA prohibits you and your clients from lying to certain people about certain topics.
This lesson explains that CROA prohibits file segregation.
This lesson explains that the Credit Repair Organizations Act prohibits fraud and deception.
This lesson explores advance fee prohibitions in the Credit Repair Organizations Act.
Prohibited practices
This lesson explains that two conditions must be met before credit repair service can begin.
The lesson explains that the CROA prohibits you and your clients from lying to certain people about certain topics.
This lesson explains that CROA prohibits file segregation.
This lesson explains that the Credit Repair Organizations Act prohibits fraud and deception.
This lesson explores advance fee prohibitions in the Credit Repair Organizations Act.
Disclosures
This lesson reviews the requirements for the Consumer Credit File Rights Under State and Federal Law.
This quiz evaluates your knowledge of the Consumer Credit File Rights Under State and Federal Law and the statutory requirements surrounding it.
Disclosures
This lesson reviews the requirements for the Consumer Credit File Rights Under State and Federal Law.
This quiz evaluates your knowledge of the Consumer Credit File Rights Under State and Federal Law and the statutory requirements surrounding it.
Credit repair organizations contracts
This lesson explains why credit repair agreements must be in writing.
Credit repair organizations contracts
This lesson explains why credit repair agreements must be in writing.
Right to cancel contract
Right to cancel contract
Noncompliance
Noncompliance
Civil liability
Civil liability
Administrative enforcement
Administrative enforcement
Statute of limitations
Statute of limitations
Relation to State law
Relation to State law
Failed loopholes and arguments
Failed loopholes and arguments
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