Rock Credit Services proudly endorses the opinions of the Federal Trade Commission (FTC), particularly in regard to their views concerning credit assistance agencies. A major difference between law firms and credit assistance agencies such as  Credit Services is that they operate under different government regulations. In both cases, these regulations are generally in place to protect both consumers and merchants, but the past few years have seen an increase in credit assistance agency regulations due to increased consumer complaints.  

The FTC's concerns regarding credit assistance agencies address the unethical individuals who have taken advantage of the rising demand of credit restoration by posing as credit assistance companies on the Internet or via telemarketing, making promises they either couldn't keep or never intended to keep, and/or charging fees up-front and then vanishing after providing minimal and inadequate services - if any services at all. Several of these agencies encourage consumers to use unethical and even illegal tactics to clean their credit reports. In some cases, credit assistance agencies attempt to disguise themselves as credible law firms to falsely persuade you that you have retained licensed professionals.

In an attempt to discourage these unscrupulous credit assistance opportunists, the government has imposed strict regulations on credit assistance agencies. Overall, these regulations are a positive step towards protecting consumers from disreputable credit assistance agencies. Unfortunately, disreputable credit assistance agencies continue to exist on the Internet awaiting to be discovered by regulatory agencies and extinguished. To avoid their scams, you, as a potential consumer, should be wary of any credit assistance agency that won't provide their complete address (beyond a Post Office Box), fully identify who they are (including a verifiable identity), or demand large fees in advance of services rendered. Consumers should avoid credit assistance agencies that guarantee credit report results or guarantee the ability to remove a bankruptcy from your credit report. Their methods are usually unethical and/or even illegal and may subject you to personal liability.

If you believe that you have been the victim of unethical, misleading and/or deceptive behavior by a credit assistance agency or law firm providing credit restoration services, or any credit assistance agency or law firm you have engaged has performed illegal or unethical acts in an attempt to restore your credit, you should report them to the FTC immediately and/or notifying the State Bar Association in the law firm's respective state. Your cooperation in the regard will assist the FTC and respective State Bar Associations to find and eliminate the unscrupulous predators in an effort to provide a safer, fraud-free experience for everyone.