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.

How credit repair escrow payments work.

How do we prevent credit repair companies from being paid prior to improving your credit score? Escrow.

Escrow Deposit

You enter into an agreement with any credit repair company and you fund your escrow account at Credzu.

Step 01.

Verify Improvement

Your credit repair company performs services for you and we verify whether your credit score improved.

Step 02.

Escrow Withdraw

We pay your company from escrow for amounts earned and return remaining funds to you.

Step 03.

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.

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.”

Congress created a law to regulate credit repair.

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.

There’s a law that regulates fairness.

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 Federal Telemarketing Sales Rule regulates credit repair.

“…the Final Rule is intended to limit the telemarketing of deceptive credit repair services.”

The Federal Trade Commission declared credit repair unfair.

“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.”