If you're hiring a credit repair company — including us — you need to understand your rights under the Credit Repair Organizations Act (CROA). I'm Rick Jefferson, and I built RJ Business Solutions to be fully CROA-compliant from day one because too many companies in this industry exploit the people they claim to help.

Your Rights Under CROA (15 U.S.C. § 1679)

§1679b — Right to a Written ContractBefore any work begins, the credit repair company must provide a written contract detailing services, total cost, performance timeline, and your cancellation rights.
§1679c — Right to CancelYou have 3 business days to cancel the contract with a full refund — no questions asked. This right cannot be waived.
§1679b(a)(1) — No Advance FeesA credit repair company cannot charge you any fee before the promised services have been fully performed. This means no upfront charges for "setup" or "first-month" before work is done.
§1679b(a)(3) — No Misleading StatementsIt is illegal for a credit repair company to make false or misleading claims about what they can do for your credit.

Red Flags — How to Spot a CROA Violation

  • ⚠They demand full payment upfront before doing any work
  • ⚠They don’t give you a written contract
  • ⚠They guarantee specific score increases ("We’ll add 100 points!")
  • ⚠They tell you to dispute accurate information
  • ⚠They suggest creating a "new credit identity" (CPN/credit privacy number — this is federal fraud)
  • ⚠They don’t mention your 3-day cancellation right
  • ⚠They claim connections to "insiders" at the credit bureaus

How RJ Business Solutions Complies with CROA

  • ✓Full written contract provided before any work begins
  • ✓3-day cancellation right clearly disclosed
  • ✓Performance-based billing — you don’t pay until progress is verified
  • ✓No misleading guarantees — we disclose that results vary by individual profile
  • ✓Only legitimate dispute methods — statute-backed, bureau-compliant letters
  • ✓90-day money-back guarantee if no verified improvement

"CROA exists to protect consumers from the worst actors in the credit repair industry. At RJ Business Solutions, we do not just comply with CROA — we exceed it. You only pay when you see results. That is the standard I wish every company adopted."

— Rick Jefferson