Fraudulent credit repair companies have long been the target of FTC investigations, culminating most recently in Project Credit Despair which snared 20 credit repair companies in February 2006.

The Federal Trade Commission
The Federal Trade Commission (FTC) is responsible for enforcing consumer protection laws in the United States. In its capacity, the FTC offers a number of suggestions and warnings to consumers regarding credit repair organizations.

Beware of credit repair services that request fees in advance
Madison Law Center does not charge you in advance for any legal services. It charges you only after the initial setup, and the work from each month, have been performed.

Beware of credit repair services that don't disclose your rights
Consumers have the right to attempt credit repair on their own. Madison Law Center offers its affordable legal services to those clients who prefer having legal professionals managing their credit disputes and creditor interventions.

Beware of credit repair services that advocate "new" identities
It is unlawful to create a "new" identity by applying for an Employer Identification Number (EIN) to replace one's Social Security Number. File segregation is a serious crime that can result in fines or imprisonment.

Beware of credit repair firms that misrepresent their expertise
Claims such as "25 years of experience" can be misleading. That number often represents the combined years of attorney experience, not the actual length of time that the firm has been practicing. By contrast, Madison Law Center Law has been practicing credit report repair since 1991.

Beware of companies that imply FTC endorsement
The FTC does not endorse any business. If a credit repair organization implies FTC endorsement, you would do well to proceed with caution.

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