Debt Relief Industry

Credit Relief Act. Are You Eligible? Appears Intended to Deceive Innocent Consumers.

I discovered an advertisement for a site called Credit Relief Act (creditreliefact.com) that appears, in my opinion, designed to intentionally confuse and mislead consumers into thinking there is a government program to reduce debt.

The advertisement I saw said: Obama Credit Bailout Plan See if You Qualify for the Obama Credit Reform Bailout Plan See Now.

The site does mention it is not a government program but only in lighter text in the fine print and one short sentence on the FAQ page. Unless you went hunting for that information it would be easy to overlook.

Credit Relief Act Web Site
Credit Relief Act Web Site

The Fine Print

The fine print on the bottom of the site gives us the most information about what this site is all about. On the site the text is in a lighter color and all jammed together. Let me break it apart for you to make it clearer.

CreditReliefAct.com and it’s affiliates are not sponsored by or affiliated with any government or State authority or agency.

CreditReliefAct.com is not a credit counselor, lender or credit card issuer, nor is it an insurance broker. CreditReliefAct.com does not take applications for loans, nor does not make loans or credit decisions in connection with loans, nor does it issue commitments or lock-in agreements. CreditReliefAct.com is not an agent of the consumer or credit counselor, bank, or loan broker (all of these hereinafter referred to as “Agents”).

CreditReliefAct.com services are administrative only, relaying consumer requests for services to Lenders, Debt Arbitrators and or Credit Agents. Consumers are not charged a fee to use this website and are under no obligation to use any Agent or Lender’s services.

CreditReliefAct.com does not guarantee that completing the form or utilizing the contact number provided herein will result in a consumer receiving counseling or a loan from a Lender.

CreditReliefAct.com receives its compensation from advertising services. The contact form and or contact number provided by a consumer is NOT an application for credit. Rather, it is a request to be placed in an aggregate consumer base CreditReliefAct.com does not request, obtain or review consumer credit history reports as part of our services.

The information provided on this site is for personal use only and does not constitute legal or financial advice. It is strongly recommended that you consult with a licensed professional before entering into any loan or other agreement. – Source

It appears to me that this site is a lead generating site primarily for debt settlement companies. I came to that conclusion based on the content on the ‘Program’ page. On that page it says that debt can be reduced by up to 70% and monthly payments are reduced. Outside of debt settlement, bankruptcy would be the only other tool able to accomplish those results.

Credit Relief Act Program

I did get a chuckle out of the solution, take advantage of the credit card companies and get credit relief.

Video Site Review

Here is a narrated video tour and review of the site and how it works.

Other Sites on this Same Server

I was unable to determine what company is responsible for the Credit Relief Act web site. But I was able to uncover a list of other sites on the same server. Here they are.

1. 101creditrepairservices.com
2. 101debtsettlement.com
3. 101taxsettlement.com
4. 123creator.com
5. 611creditrepair.com
6. Alabama-loan-modifications.com
7. Arizona-loan-modifications.com
8. Arkansas-loan-modifications.com
9. Avoid-bankruptcy-alabama.com
10. Avoid-bankruptcy-albuquerque.com
11. Avoid-bankruptcy-arizona.com
12. Avoid-bankruptcy-arkansas.com
13. Avoid-bankruptcy-baltimore.com
14. Avoid-bankruptcy-billings.com
15. Avoid-bankruptcy-birmingham.com
16. Avoid-bankruptcy-boston.com
17. Avoid-bankruptcy-california.com
18. Avoid-bankruptcy-dc.com
19. Avoid-bankruptcy-detroit.com
20. Avoid-bankruptcy-florida.com
21. Avoid-bankruptcy-houston.com
22. Avoid-bankruptcy-indiana.com
23. Avoid-bankruptcy-indianapolis.com
24. Avoid-bankruptcy-kansascity.com
25. Avoid-bankruptcy-lasvegas.com
26. Avoid-bankruptcy-littlerock.com
27. Avoid-bankruptcy-losangeles.com
28. Avoid-bankruptcy-maryland.com
29. Avoid-bankruptcy-massachusettes.com
30. Avoid-bankruptcy-massachusetts.com
31. Avoid-bankruptcy-miami.com
32. Avoid-bankruptcy-michigan.com
33. Avoid-bankruptcy-missouri.com
34. Avoid-bankruptcy-montana.com
35. Avoid-bankruptcy-nebraska.com
36. Avoid-bankruptcy-nevada.com
37. Avoid-bankruptcy-newmexico.com
38. Avoid-bankruptcy-newyork.com
39. Avoid-bankruptcy-newyorkcity.com
40. Avoid-bankruptcy-oklahomacity.com
41. Avoid-bankruptcy-omaha.com
42. Avoid-bankruptcy-pennsylvania.com
43. Avoid-bankruptcy-philadelphia.com
44. Avoid-bankruptcy-phoenix.com
45. Avoid-bankruptcy-siouxfalls.com
46. Avoid-bankruptcy-southdakota.com
47. Avoid-bankruptcy-texas.com
48. Avoid-bankruptcy-virginia.com
49. Avoid-bankruptcy-virginiabeach.com
50. Avoid-bankruptcy-washingtondc.com
51. Avoidbankruptcytool.com
52. Buyelectroniccigarettescentral.com
53. Californiamodificationact.com
54. Citcommerce.com
55. Citdebt.com
56. Colorado-loan-modifications.com
57. Connecticut-loan-modifications.com
58. Consumercreditprotection.com
59. Consumercreditprotectionacts.com
60. Consumercreditprotectionbill.com
61. Consumercreditprotections.com
62. Consumerelectroniccigarettes.com
63. Creditratefix.com
64. Creditreductionplan.com
65. Creditreductionprogram.com
66. Creditreformact.com
67. Creditreliefact.com
68. Creditrepairinstantly.com
69. Debtcomfortact.com
70. Debtcomforttool.com
71. Debtmiranda.com
72. Debtreliefbill.com
73. Debtrepurchase.com
74. Delaware-loan-modifications.com
75. Dominantleads.com
76. E-cig-guides.com
77. E-cigaretteguides.com
78. E-cigconsumerguide.com
79. E-paydayadvance.com
80. Ecigarette-guide.com
81. Ecigarettes-reviews.com
82. Economicstabilityact.com
83. Economicstabilitybill.com
84. Edhardycentral.com
85. Electronic420.com
86. Electroniccigarettes123.com
87. Electronicpot.com
88. Financialhardshipact.com
89. Financialstabilityact.com
90. Financialstabilitybill.com
91. Florida-loan-modifications.com
92. Freecit.com
93. Freedebtact.com
94. Friskyintimates.com
95. Ftcfaircreditreportingact.com
96. Georgia-loan-modifications.com
97. Georgiamodificationact.com
98. Getficoraised.com
99. Getficoraisednow.com
100. Gethealthysmokes.com
101. Getinstantcreditrepair.com
102. Getroyalspirits.com
103. Gpstrackcollars.com
104. Hawaii-loan-modifications.com
105. Helpinghandsusa.com
106. Homerefinanceact.com
107. Idaho-loan-modifications.com
108. Illinois-loan-modifications.com
109. Illinoismodificationact.com
110. Increasemyficoscorenow.com
111. Indiana-loan-modifications.com
112. Instantcreditjump.com
113. Iowa-loan-modifications.com
114. Irstaxhelpusa.com
115. Jumpmyficonow.com
116. Kansas-loan-modifications.com
117. Kentucky-loan-modifications.com
118. Legalecig.com
119. Legalelectroniccigarettes.com
120. Legitluxury.com
121. Loanmodeligibilitytool.com
122. Loanmodificationchecker.com
123. Louisiana-loan-modifications.com
124. Madtjholdings.com
125. Maine-loan-modifications.com
126. Maryland-loan-modifications.com
127. Massachusetts-loan-modifications.com
128. Michigan-loan-modifications.com
129. Michiganmodificationact.com
130. Minnesota-loan-modifications.com
131. Mississippi-loan-modifications.com
132. Missouri-loan-modifications.com
133. Montana-loan-modifications.com
134. Nebraska-loan-modifications.com
135. Nevada-loan-modifications.com
136. Newhampshire-loan-modifications.com
137. Newjersey-loan-modifications.com
138. Newjerseymodificationact.com
139. Newmexico-loan-modifications.com
140. Newyork-loan-modifications.com
141. Northcarolina-loan-modifications.com
142. Northdakota-loan-modifications.com
143. Officialecig.com
144. Officialecigs.com
145. Officialecigshop.com
146. Officialecigstore.com
147. Ohio-loan-modifications.com
148. Ohiomodificationact.com
149. Oklahoma-loan-modifications.com
150. Oregon-loan-modifications.com
151. Pennsylvania-loan-modifications.com
152. Pennsylvaniamodificationact.com
153. Purchaseelectroniccigarette.com
154. Rapidcreditscoreincrease.com
155. Refinancebill.com
156. Rhodeisland-loan-modifications.com
157. Southcarolina-loan-modifications.com
158. Southdakota-loan-modifications.com
159. Taxsettlementact.com
160. Tennessee-loan-modifications.com
161. Texas-loan-modifications.com
162. Texasmodificationact.com
163. Thedebtact.com
164. Thedebtreliefact.com
165. Thedebtrelieftool.com
166. Usastimulusprograms.com
167. Utah-loan-modifications.com
168. Vermont-loan-modifications.com
169. Verticalimages.info
170. Verticalspider.com
171. Vintageoldskool.com
172. Virginia-loan-modifications.com
173. Washington-loan-modifications.com
174. Webelectroniccigarettes.com
175. Webpintrack.com
176. Westvirginia-loan-modifications.com
177. Wisconsin-loan-modifications.com
178. Wyoming-loan-modifications.com

Another Site on This Server Caught My Eye

Now let’s say the designers of the Credit Relief Act had not set out, in my opinion, to intentionally confuse or mislead consumers into believing there was a government program called the Credit Relief Act.

If so, how do you explain the site FTCFairCreditReportingAct.com which uses the logos of the Federal Trade Commission and Office of the Inspector General? See picture below and you will see the government logos in the lower corners.

FTC Fair Credit Reporting Act

This site also has an eligibility form on it and when I completed it I said I had no late payments and I had not experienced a denial for credit, surprise, I qualified for a credit repair forensic audit.





About the author

Steve Rhode

Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.

11 Comments

  • There are a couple of big clues on the site: It says that it’s not a government agency; and it says that by submitting your info, you are agreeing to be contacted by telemarketers. It’s right beneath the button where you submit your information. You really do need to read the print – it’s not even fine print!

  • There are a couple of big clues on the site: It says that it’s not a government agency; and it says that by submitting your info, you are agreeing to be contacted by telemarketers. It’s right beneath the button where you submit your information. You really do need to read the print – it’s not even fine print!

  • WOW!!! I was so close to filling out the application. I have heard and seen the advertisements everywhere. I figured it was too good to be true. Thanks Steve.

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