Credit Repair
If poor credit is your main challenge, there are many resources available to you. Do your due diligence and make an informed decision.
What is Credit Repair?
Credit repair refers to the process of improving a person’s credit score and credit report by identifying and disputing errors or incorrect information. Credit repair can involve working with credit bureaus, creditors, and other financial institutions to correct errors on credit reports, negotiate payment plans, and improve credit scores.
Why is Credit Repair Important?
Having a good credit score is important for many reasons. A good credit score can help you secure loans and credit cards with better interest rates, which can save you money over time. It can also make it easier to rent an apartment or buy a home. In some cases, a poor credit score can even affect your ability to get a job.
What Are the Different Options for Credit Repair?
There are a few different options for credit repair. One option is to work with a credit repair company, which can help you identify errors on your credit report and work to correct them. Another option is to work with a credit counselor, who can help you develop a plan to improve your credit score. Finally, you can also work to repair your credit on your own by following a budget, paying your bills on time, and reducing your debt.
We have provided links to both the CROA and the TSR for your reference:
Credit Repair Organizations Act (Link)
Telemarketing Sales Rule Amendment Pertaining to Credit Repair (Link)

What Should You Look for in a Credit Repair Company?
When choosing a credit repair company, it’s important to do your research. Look for a company that is transparent about their services and fees and has a good reputation with consumer protection organizations. It’s also a good idea to choose a company that is compliant with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR) Amendment, as these regulations are in place to protect consumers from fraudulent or deceptive practices.
Click the link to download and read the Advisory on Credit Repair Services from the CFPB (Consumer Financial Protection Bureau).
CFPB Advisory on Credit Repair Firms (PDF Document from CFPB Site- SAFE)

Why choose and OCCAM Credit Repair Company?
OCCAM is dedicated to ensuring that consumers are protected and informed when it comes to credit repair services. Our member companies have undergone rigorous investigation and audit to ensure that they are dependable, ethical, and competent in their services. We have a zero-tolerance complaint policy, meaning that if you have any issues with an OCCAM member company, we will work to resolve them to your satisfaction.
In addition, our member companies are held to the highest standards in compliance with the Credit Repair Organizations Act (CROA) and the Telemarketing Sales Rule (TSR). This includes disclosing all fees and services upfront, not requiring any payment before services are completed, and providing consumers with a written contract outlining all terms and conditions.
We understand that credit repair can be a confusing and stressful process, which is why we strive to provide the best resources and support for our consumers. By choosing an OCCAM member company, you can trust that you are working with a reputable and dependable provider who has your best interests in mind. Let us help you on your journey to financial freedom and improved credit.