How We Stay Compliant: CROA, TSR, FCRA
At Phoenix Credit Solutions, we take compliance seriously. Our operations are fully aligned with all applicable federal and state laws governing credit repair. From how we market our services to how we bill our clients, every step is designed to protect consumers, ensure transparency, and maintain the highest ethical standards.
How We Stay Compliant: CROA, TSR, FCRA, Etc.
We proudly comply with the following laws, rules, and regulations:
Credit Repair Organizations Act (CROA)
We use written contracts, provide full disclosures, allow a 3-day cancellation period, and never charge in advance. All services are billed only after performance.
Fair Credit Reporting Act (FCRA)
We follow strict data privacy, dispute accuracy, and reporting standards, always acting in good faith with credit information.
Fair Debt Collection Practices Act (FDCPA)
While not a debt collector, we avoid any deceptive or aggressive practices in our communications with creditors or clients.
Telemarketing Sales Rule (TSR)
We avoid phone-based enrollment entirely to remain exempt. All clients enroll online, allowing us to ethically bill after services without violating TSR.
State-Level Credit Services Organization Laws
We research and comply with additional licensing, registration, or disclosure requirements based on the client’s state of residence.