Hampton Credit is a proud support of the Credit Repair Organizations Act, a law enacted to ensure that prospective consumers of credit repair services are provided with the information necessary to make an informed decision regarding the purchase of such services. In addition, this act was established to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

1. It is prohibited to make any statement, or counsel or advise any consumer to make any statement, which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) with respect to any consumer's credit worthiness, credit standing, or credit capacity.

2. No credit repair organization may charge or receive any money or other valuable consideration for the performance of any service which the credit repair organization has agreed to perform for any consumer before such service is fully performed.

3. Before you sign an agreement with a credit repair organization, they must give you a statement that explains your credit reporting rights under state and federal laws. The company must get your signature on that document and keep it on file for two years.

4. You must be given a dated, written agreement to sign that explains the services that will be performed, any guarantees about the services, how much it will cost you, and the date by which the services are expected to be concluded.

5. You have the right to cancel the agreement, without penalty, within three business days of when you sign it. Your agreement must explain how to cancel.

You can find a complete text of the Credit Repair Organizations Act here.