Credzu University
The Credit Repair Organizations Act (CROA) course.
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Course sections

Section 1
About the Credit Repair Organizations Act course.
1
Video introduction to the Credit Repair Organizations Act course.
2
Credit Repair Organizations Act course expectations.
3
Credit Repair Organizations Act course disclosures.
4
Credit Repair Organizations Act course instructors.
5
Credit Repair Organizations Act course introduction quiz.
2 questions
Section 2
About the Credit Repair Organizations Act course.
1
Video introduction to the Credit Repair Organizations Act course.
2
Credit Repair Organizations Act course expectations.
3
Credit Repair Organizations Act course disclosures.
4
Credit Repair Organizations Act course instructors.
5
Credit Repair Organizations Act course introduction quiz.
2 questions
Section 3
Legislative history of the Credit Repair Organizations Act.
1
History of consumer harm.
2
Passage of legislation.
Section 4
Legislative history of the Credit Repair Organizations Act.
1
History of consumer harm.
2
Passage of legislation.
Section 5
Findings and purposes of the Credit Repair Organizations Act
1
Findings by Congress.
2
Congressional intent.
Section 6
Findings and purposes of the Credit Repair Organizations Act
1
Findings by Congress.
2
Congressional intent.
Section 7
Definitions in the Credit Repair Organizations Act
1
Definitions in the Credit Repair Organizations Act
2
The CROA applies only to interstate credit repair.
3
Merely representing that you improve credit can trigger CROA.
4
Compensation is required in order for the CROA to apply.
5
Express or implied representations of improvement trigger CROA.
6
Providing "advice and assistance" in improving credit is the same as improving credit.
7
Exemptions to the definition of a credit repair organization under the CROA.
8
Credit Repair Organizations Act quiz on definitions.
7 questions
Section 8
Definitions in the Credit Repair Organizations Act
1
Definitions in the Credit Repair Organizations Act
2
The CROA applies only to interstate credit repair.
3
Merely representing that you improve credit can trigger CROA.
4
Compensation is required in order for the CROA to apply.
5
Express or implied representations of improvement trigger CROA.
6
Providing "advice and assistance" in improving credit is the same as improving credit.
7
Exemptions to the definition of a credit repair organization under the CROA.
8
Credit Repair Organizations Act quiz on definitions.
7 questions
Section 9
Prohibited practices
1
Providing credit repair services without a contract and before a cooling off period.
2
Making untrue or misleading statements.
3
Making identity altering statements.
4
Committing a fraud or engaging in deception.
5
Payment in advance of services.
6
Credit Repair Organizations Act quiz on prohibited practices.
3 questions
Section 10
Prohibited practices
1
Providing credit repair services without a contract and before a cooling off period.
2
Making untrue or misleading statements.
3
Making identity altering statements.
4
Committing a fraud or engaging in deception.
5
Payment in advance of services.
6
Credit Repair Organizations Act quiz on prohibited practices.
3 questions
Section 11
Disclosures
1
Consumer Credit File Rights Under State and Federal Law
2
Credit Repair Organizations Act quiz on the Consumer Credit File Rights Under State and Federal Law
5 questions
Section 12
Disclosures
1
Consumer Credit File Rights Under State and Federal Law
2
Credit Repair Organizations Act quiz on the Consumer Credit File Rights Under State and Federal Law
5 questions
Section 13
Credit repair organizations contracts
1
Credit repair contracts must be in writing.
2
Terms and conditions of payment.
3
A full and detailed description of the services.
4
The credit repair organization's name and principal business address.
5
A statement disclosing consumer's right to cancel.
Section 14
Credit repair organizations contracts
1
Credit repair contracts must be in writing.
2
Terms and conditions of payment.
3
A full and detailed description of the services.
4
The credit repair organization's name and principal business address.
5
A statement disclosing consumer's right to cancel.
Section 15
Right to cancel contract
1
Lessons coming soon.
Section 16
Right to cancel contract
1
Lessons coming soon.
Section 17
Noncompliance
Section 18
Noncompliance
Section 19
Civil liability
Section 20
Civil liability
Section 21
Administrative enforcement
Section 22
Administrative enforcement
Section 23
Statute of limitations
Section 24
Statute of limitations
Section 25
Relation to State law
Section 26
Relation to State law
Section 27
Failed loopholes and arguments
1
CROA does not encroach on First Amendment rights.
2
CROA requirements are not waivable.
Section 28
Failed loopholes and arguments
1
CROA does not encroach on First Amendment rights.
2
CROA requirements are not waivable.

Definitions in the Credit Repair Organizations Act

Providing “advice and assistance” in improving credit is the same as improving credit.

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Definitions in the Credit Repair Organizations Act Express or implied representations of improvement trigger CROA.
Complete
Definitions in the Credit Repair Organizations Act Exemptions to the definition of a credit repair organization under the CROA.