Real ChatGPT answer · index seedXKozzXiCEJ8completeFinance and banking · credit scores and repairlocal
How much do credit repair services typically charge upfront in New York and is that even legal under federal law?
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The searches the AI actually ran for this prompt.
SEED QUERY
How much do credit repair services typically charge upfront in New York and is that even legal under federal law?
3 real searches · 1 real-search pass
Credit Repair Organizations Act 15 USC 1679b(b) advance payment FTC officialGoogle ↗
OBSERVED
New York credit repair organizations law upfront fees credit services organizations New York General Business LawGoogle ↗
OBSERVED
FTC credit repair companies upfront fees CROA advance payment ruleGoogle ↗
OBSERVED
Badge and edge weight = share of passes that produced the query. Hover a query for its intent and routing format.
Query classes
Google's semantic query class for every sub-query: what kind of answer each search is after, simulated vs real.
Classifying 3 queries…
Searches and sources
ChatGPT3 real searches · gpt-6
Credit Repair Organizations Act 15 USC 1679b(b) advance payment FTC official Google ↗
New York credit repair organizations law upfront fees credit services organizations New York General Business Law Google ↗
FTC credit repair companies upfront fees CROA advance payment rule Google ↗
- 15 U.S.C. § 1679b(b) · uscode.house.gov
- Credit Repair Organizations Act · ftc.gov
- How can I tell a credit repair scam from a reputable credit counselor? · consumerfinance.gov
- New York General Business Law § 458-E (2024) - Advance Fees Prohibited. :: 2024 New York Laws :: U.S. Codes and Statutes :: U.S. Law :: Justia · law.justia.com
- 88. Nor do the contracts for credit repair services include other information required by federal and New York law, including, for example, (i) a “complete and detailed statement” of the services to be performed and the results that are sought; (ii) a copy of the consumer’s credit report with any negative entries marked; (iii) a statement that no advance fees may be collected legally; and (iv) a notice of the consumer’s right to cancel the contract within three days along with an attached notice · ag.ny.gov
- New York Attorney General – Consumer Complaint · ag.ny.gov
- Federal Trade Commission – Report Fraud · reportfraud.ftc.gov
- Consumer Financial Protection Bureau · consumerfinance.gov
Queries
3 queries · click a column to sort
| Query / type | Search | Intent | Query class | Routing format | Cluster | Freq ↓ | Weight |
|---|---|---|---|---|---|---|---|
Credit Repair Organizations Act 15 USC 1679b(b) advance payment FTC official OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
New York credit repair organizations law upfront fees credit services organizations New York General Business Law OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 | |
FTC credit repair companies upfront fees CROA advance payment rule OBSERVED | Google ↗ AI Mode ↗ | — | — | — | — | 1x of 1 |