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Fairness

The core tenet of Credzu: Fairness.

We add a fairness layer between buyers and sellers of credit services. That's literally our purpose. In an industry ripe for abuse, a fairness platform is long overdue. We studied the issues and government regulations directed at them. From protecting fees in escrow to forcing transparency, everyone stands to benefit from our fairness model.

Did you know.
Congress is concerned for credit repair consumers.

It is a declaration of a finding of Congress that "[c]ertain advertising and business practices of some companies engaged in the business of credit repair services have worked a financial hardship upon consumers, particularly those of limited economic means and who are inexperienced in credit matters."

The very purpose of the Federal Credit Repair Organizations Act is: (1) to ensure that prospective buyers of the services of credit repair organizations are provided with the information necessary to make an informed decision regarding the purchase of such services; and (2) to protect the public from unfair or deceptive advertising and business practices by credit repair organizations.

Congress directed the Federal Trade Commission to declare acts and practices unfair if the "practice causes or is likely to cause substantial injury to consumers which is not reasonably avoidable by consumers themselves and not outweighed by countervailing benefits to consumers or to competition."

"...the Final Rule is intended to limit the telemarketing of deceptive credit repair services."

"The abusive practices relating to credit repair services...meet the criteria for unfairness. An act or practice is unfair under Section 5 of the FTC Act if it causes substantial injury to consumers, if the harm is not outweighed by any countervailing benefits, and if the harm is not reasonably avoidable."

We solved for fairness.

We reverse engineered all the credit repair laws and rules and realized they amount to two things: First, there's a high likelihood of harm from misrepresentation. Second, there's a high likelihood of harm from advanced fees. Rather than hope that companies comply with rules and laws, we've inserted ourselves into credit repair transactions to ensure those principles of law are not violated.

We require promises in writing.

Fairness requires that a transaction begin with honest representations. We require companies put their promises in writing, upfront. With monitored communication, there is no room for "word pictures" over the phone. No word games, just mutually beneficial business.

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  • Step 01.

We protect money in escrow.

The days of ripoffs and chargebacks are over. Fees remain in our protected escrow until they are earned by a provider or refunded to a consumer.

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  • Step 02.

We make it easy for everyone.

Fairness should not be difficult. We've created a system that's easy to operate and get done what's most important: fair credit repair transactions.

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  • Step 03.

Tired of getting ripped off?

Credzu does all the vetting for you. We can make transactions between you and your credit repair company headache and hassle-free. 

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