Legitimate credit repair companies ought to abide by the United States Credit Repair Organizations Act, or CROA for short. This is really a set of laws that was set up by Congress back inside the 1990s to protect buyers from the several predatory practices then prevalent within the industry. Great credit repair companies will abide by CROA, and one way to tell whether they do so is if they even bother informing you about CROA in the very first place, for by law all this kind of companies ought to tell their clients about CROA and their rights under CROA.