When you google “Credit Repair Massachusetts” who pops up? Now… do your research on these companies and check their payment arrangements. Do they charge a monthly fee for service?

If they are charging a monthly fee for service they are breaking the law below:

Chapter 93: Section 68B. Credit services organization; restrictions
 
Section 68B. No credit services organization, its salespersons, agents or representatives, or any independent contractor who sells or attempts to sell the services of a credit services organization shall (1) charge or receive any money or other valuable consideration prior to full, complete and satisfactory performance of the services the credit services organization has agreed to perform for the buyer

Why would you work with a company who immediately has broken the law? No.

Do these monthly fees cost you less in the end? No. These companies do as little as possible for as long as possible.

Are these companies legitimate? No. At any point the government can and likely will shut these companies down. There goes your money as well as any security you had regarding your finances.

How do they get away with it? They aren’t going to tell you their actions are illegal. Unless you research the law in regards to credit repair regulations you would never know.

So what will you do now? Be smart with your finances and your credit. Pay for results. Make sure the company you work with is legal.

If you know someone who has gone with one of these companies and paid before results arrive or paid for services never rendered have them file a complaint. Protect yourself and the people you love.

At Chaffin Credit Consulting we follow the law. You only pay when you receive results. If we don’t fix it you don’t pay. Simple. We work as hard as possible as quickly as possible.