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3 California FTC Laws for Credit Repair Companies you need to know. 1789.16. Contracts; requirements; contents (a) A credit services organization shall not provide any service to a buyer except pursuant to a written contract that complies with this section. Every contract between the buyer and a credit services organization for the purchase of the services of the credit services organization shall be in writing, shall be dated, signed by the buyer, and include all of the following: (1) A conspicuous statement in size equal to at least 10-point boldface type, in immediate proximity to the space reserved for the signature of the buyer, as follows: "You, the buyer, may cancel this contract at any time prior to midnight of the fifth day after the date of the transaction. See the attached notice of cancellation form for an explanation of this right." (2) The terms and conditions of payment, including the total of all payments to be made by the buyer, whether to the cr...

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4 steps to raise your credit score Watch those credit card balances. Eliminate credit card balances. Leave old debt on your report. Remove Negative Items/Check Report for Inaccuracies 1. Watch those credit card balances One major factor in your credit score is how much revolving credit you have versus how much you’re actually using. The smaller that percentage is, the better it is for your credit rating. The optimum: 30 percent or lower. To boost your score, “pay down your balances, and keep those balances low,” says Pamela Banks, senior policy counsel for Consumers Union. If you have multiple credit card balances, consolidating them with a personal loan could help your score. What you might not know: Even if you pay balances in full every month, you still could have a higher utilization ratio than you’d expect. That’s because some issuers use the balance on your statement as the one reported to the bureau. Even if you’re paying balances in full every month, your...