Consumers in Vermont wanting to use a credit repair firm to repair their bad credit need to know that Vermont credit repair laws (Vt. Stat. Ann. tit. 8, §§ 4861 to 4876) do give some level of extra protection above federal laws.

The following bad credit repair laws apply to the state of Vermont only and may change depending on new laws passed since this blog post has been published.

- Bad credit repair services must state in writing all services it will perform and all fees consumers will pay; state that debt adjustment plans are not suitable for all debtors; disclose if creditors may compensate the licensee; disclose the right to cancel within 3 days, without penalty; and make these disclosures in the language used to negotiate the agreement.
- Credit repair services may not engage in false or deceptive advertising or communications, threaten to disclose information about debt, or charge more than a $50 initial fee plus ten percent of payments received from the debtor for distribution to creditors.

Bad Credit Resources for Vermont

Second Chance Checking Accounts in Vermont
Bad Credit Checking in Vermont
Unsecured Credit Cards
Unsecured Credits Card for Bad Credit

Consumers in Wisconsin wanting to use a credit repair firm to repair their bad credit need to know that Wisconsin credit repair laws (Wis. Stat. Ann. §§ 422.501 to 422.506) give some level of extra protection above federal laws.

The following bad credit repair laws apply to the state of Wisconsin only and may have changed depending on new laws passed since this blog post has been published

- Credit repair service may not charge or collect a fee for referring consumer to a retail seller who will or may extend credit that is on substantially the same terms as those available to the general public.
- You may cancel a bad credit repair contract within 5 days of signing and any payment must be returned within 15 days of receipt of cancellation notice. Make sure you send all correspondence certified return receipt only and do not accept any agreements orally or over the phone.

Bad Credit Resources for Wisconsin

Second Chance Checking Accounts in Wisconsin
Bad Credit Checking in Wisconsin
Unsecured Credit Cards
Credit Cards for Bad Credit

Consumers in Nebraska wanting to use a credit repair firm to repair their bad credit need to know that Nebraska credit repair laws (Neb. Rev. Stat. §§ 45-801 to 45-815) do give consumers some level of extra protection above federal credit repair laws.

The following bad credit repair laws apply to the state of Nebraska only and may have changed depending on new laws passed since this blog post has been published

- The bad credit repair service may not charge or collect a fee for referring consumer to a retail seller who will or may extend credit that is on substantially the same terms as those available to the general public.
- Any payment must be returned within 10 days of receipt of cancellation notice. So make sure you send all correspondence (cancellation and request for refund) certified return receipt mail only.

Bad Credit Resources for Nebraska

Second Chance Checking Nebraska
Bad Credit Checking Accounts in Nebraska
Unsecured Credit Cards
Credit Cards Bad Credit