credit repair and the law

This section of our website provides important links to third-party information regarding credit repair, law, and scams.

fair credit reporting act

Click here to download a copy of the Fair Credit Reporting Act.

missouri division of finance

OptimFic is located in Missouri and therefore subject to the laws and regulations under the Missouri Division of Finance. Click here to view the regulations of a credit service organization or here to access the Missouri Division of Finance website.

missouri attorney general on credit repair scams

Click here to read what Missouri Attorney General Jay Nixon has to say about credit repair scams.

ftc consumer credit protection act

Click here to go to the FTC website to read about the regulations of legitimate credit repair companies.

fair debt collection practices act

Click here to download and view a copy of the law that regulates debt collectors.