Funds deposited with Credzu are paid to credit repair companies only after they improve credit scores, ensuring fairness, accountability, and trust.
Credzu provides a secure platform for consumers, aims to ensure compliance for credit repair companies, and strives to protect referral partners from scams, leading to improved credit outcomes.
Our chat interface allows consumers, credit repair companies, and escrow agents to interact in real-time. You can share files, sign agreements, and hold video conferences all in one place.
Funds are held in escrow until credit repair services are completed, aiming to ensure secure and compliant transactions.
Credit repair companies are compensated based on credit score improvements, with a payment structure of $5 per point increase per credit bureau.
We strive to ensure all transactions and interactions are conducted securely and in compliance with legal standards, protecting consumer interests and business operations.
Credzu is a consumer protection platform for the credit repair industry. It helps consumers avoid scam artists and forces credit repair organizations to operate honestly. We do this – primarily – by putting money in escrow and releasing it to companies only if and when they perform as agreed.
We place consumer funds in escrow and pay $5.00 per point per bureau when a credit repair company increases that consumer’s credit score. So, this creates an incentive for the company only to take on clients that they genuinely believe they can help. Otherwise, they know that they’d never get paid.
Credzu is a platform that any consumer or company can use to make safe credit repair transactions. A consumer can invite their own company, and a company can invite their consumer. Also, consumers can connect with Credzu’s network of companies, and companies can connect with consumers who organically sign up on Credzu’s website.
Not only is credit repair legal, but laws (such as the Fair Credit Reporting Act) make it possible. However, that doesn’t mean all credit repair “techniques” are legal. There are all sorts of fraudulent activities in the credit repair space. Speaking of legal compliance, though… Credzu forces credit repair organizations to comply with federal and state laws and rules.
If you asked 100 different credit repair companies, you’d probably get 100 different answers. There are flat fees, monthly fees, pay for deletion fees, etc. At Credzu, we unified the market to adopt one simple, consumer-focused model: Pay for points. All credit repair companies in Credzu charge $5.00 per point per bureau. This makes it easy to understand and avoids all sorts of problems.
Not only can they not guarantee a particular outcome, but it’s technically illegal to do so (it could violate the Credit Repair Organizations Act or the FTC Act). However, when you hire a credit repair company through Credzu, the entire fee is contingent upon performance. While they can’t guarantee an outcome, they can guarantee that you will only pay if your score improves.
No one can answer that question in a general sense because no two people are the same, and neither is their credit nor their path to credit improvement. However, we can tell you that we conducted a study, and the results suggest that credit repair takes approximately 4 to 6 months. We’d also respectfully suggest if it takes longer than that… there’s a problem with the company you hired.
As an escrow company, we want to avoid disputes, so we created a platform where disputes are extremely unlikely. For example, your credit score will go up or not; if it does, your company gets paid, and if it doesn’t, your company doesn’t get paid. Despite this clarity, if disputes arise, we will try to handle them, and if we cannot do so, we will refer the conflict to mediation.
Hire your next credit repair company with confidence when you use Credzu’s escrow platform, because they don’t get paid unless your score goes up.
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