Fair Credit Reporting: 17.2.2.2.5 Credit building: services that claim to help consumer develop future creditworthy behavior
A few courts have held that the definition of credit repair organization does not encompass organizations that offer only prospective credit advice to consumers or provide information to consumers so that they can take steps to improve their credit in the future.88 These courts construe the definition as applying only to organizations that claim to be able to improve a credit record that is based on past events.