By purchasing our BCCC or CCSC membership package, you checked the box that you agree to the terms and services and use, you vow to adhere to the following.

Last updated January 2, 2017

  1. I vow to abide by the Credit Consultants Association code of ethics as listed at
  2. I vow to cause no harm to the public and If by chance I do cause harm or error, I will rectify it right away either with a refund or job satisfaction.
  3. I vow to provide all of my clients with an agreement (contract) that outlines the agreed-upon terms of services to be rendered. Also the proper disclosures for federal and state law. 
  4. I vow to resolve all consumer complaints within 30 days. If a complaint goes unresolved or satisfied for a lack of performance spelled out in your agreement, or you did not provide your client with an agreement, you are in violations of CCA policies. Point 9 shows what will occur if there is a violation. If there is a disagreement between you and the client, we will look to the agreement signed. Then we will make the decision if there is a violation or just business disagreement to be resolved according to the agreement signed. It is our goal to protect or member as well as the public.  
  5. I vow not to perform Jamming or credit sweeps.
  6. I vow not to make false or misleading statements or lie about results.
  7. I vow not to just challenge items without my client’s approval or authorization.
  8. I vow to be clear about the service I’m offering. I understand that I’m responsible for the net impression of the services I offer. This means if my client has the impression that I am performing a service that I’m not, I will clear up this understanding right away and if they feel misled, I will refund their money.
  9. If there are violations of our policies: we will terminate your membership and certification,  give you and your company an “F-Rating on our website and posted a warning to website warning the public to avoid doing business with you and your company. In addition, you will NOT have the right to use our logos and designations anywhere and they must be removed promptly. Board Certified Credit Consultants®, “Board Certified Credit Repair Specialist®” Certified Credit Repair Specialist®, Certified Credit Score Consultant®, Certified Credit Repair Processor®.
  10. I vow to present myself in an appropriate casual or business attire on social media posts and default profile images in groups when using our logos and certifications. e.g. no shirtless, topless or erotic type imagery when representing our brand.



This Agreement shall remain in full force and effect until terminated by CREDIT CONSULTANTS ASSOCIATION (CCA) or by you, the Member.

CREDIT CONSULTANTS ASSOCIATION (CCA) reserves the right to modify any terms and conditions of this Agreement upon notice to you, the Member. Notice of any changes may be given via e-mail to the Member, or by posting the modifications on the CREDIT CONSULTANTS ASSOCIATION (CCA) website, or by requiring you, the Member, to click on a button agreeing to a modification during the process of logging in to the CREDIT CONSULTANTS ASSOCIATION (CCA) website/s (which shall have the same force and effect as a hand signature). Such changes and modifications will take effect upon transmission of an e-mail or clicking on the button indicating agreement. In the event that the Member does not log into the system/s for 7 days after the posting of this modification on the CREDIT CONSULTANTS ASSOCIATION (CCA) website, the Member will be deemed to have accepted any such modifications. You may terminate your Membership in the event that any of these modifications are unacceptable to you and such termination shall be your sole and exclusive remedy. In the event that you fail to exercise your right to terminate or you continue to remain a Member following such modifications, you will be deemed by your continued participation to accept any and all such changes.

Upon becoming a member of the Credit Consultants Association, you vow to do no harm to the public
and will provide this net impress disclosure to consumers:

Credit Repair Organization’s goal is to provide credit repair services to assist CONSUMER in achieving an accurate credit report. CONSUMER hereby acknowledges that the Credit Repair Organization does not guarantee any specific outcomes or results on behalf of CONSUMER, but contracts to provide the specific list of services as more fully described herein. Credit Repair Organization does not charge for, nor shall Credit Repair Organization collect for, any services, until such services as detailed in the listed contracted services are fully provided. Credit Repair Organization does not contract for services to remove accurate and/or verifiable information from CONSUMER’S credit file. CONSUMER hereby acknowledges that active participation in providing Credit Repair Organization with all requested documents, forms, and information including investigation results, is essential to providing the credit services for CONSUMER. Credit Repair Organization does not provide tax, legal or financial advice. If you need any type of legal advice, you must contact a licensed professional.


It is important that you (“You”) read, understand and accept the Terms and Conditions for using this site ( When this site is accessed, used, or viewed, you agree to the terms and conditions that follow. If you do not agree to these terms and conditions, you should immediately cease all actions pertaining to this site


The Credit Consultant Association (“CCA”) monitors all member access to the CCA member section for abuse. The CCA member section within this site is proprietary to CCA and may be accessed by members only. Unlawful distribution of member usernames and/or passwords to individuals or organizations who are not specifically approved by CCA will cause CCA to terminate the member(s) access to the CCA member section and take any legal action.

CCA Web Site Content

All materials in this site are intended to keep our members updated about the credit industry as well as provide consumers with information about improving credit scores, credit consulting programs.

No Warranty

CCA makes no warranties of any kind, either expressed or implied as to any matter including, but not limited to, warranty of fitness for a particular purpose or merchantability, exclusivity or results obtained from use of the material

Information You Submit

If you communicate with us via email or otherwise provide information to us through this site, all information you provide to us is on a non-confidential or non-proprietary basis, without restrictions of any kind whatsoever, and all information may be disclosed, distributed, modified, reproduced and used by us in any manner we choose, without paying compensation to you.


This site may include links to other sites, which are provided as a convenience to you and as additional access to the information contained therein. We are not responsible for the content of any other sites or any products or services that may be offered through other sites.

When hyperlinking to the CCA website, you must do so in a manner that does not imply any affiliation with or endorsement by CCA for your organization or website. You may use the following statement to characterize our site:

CCA is an industry education and advocacy organization whose mission is to promote and ensure the continued operation and viability of credit counseling and debt management organizations.

Accuracy, Completeness, and Timeliness of Information on the Site

We are not responsible if the information that we make available on this site is not accurate, complete or current. The materials on this site are provided for general information only, and any reliance upon the material found on this site will be at your own risk. We reserve the right to modify the contents of the site at any time, but we have no obligation to update any information on this site. You agree that it is your responsibility to monitor changes to the site.

Your Liability

If you cause a technical disruption of the site or the systems transmitting the site to you or others, you agree to be responsible for any and all civil and or criminal penalties, including but not limited to attorneys fees, actual and consequential damages arising from the disruption of the sites, all efforts taken to correct and restore the site, and to defend the rights of CCA.


The laws of the State of Tennessee govern the terms, conditions, and use of this site and all users irrevocably consent to the exclusive jurisdiction of Shelby County, Tennessee for any action to enforce these terms, conditions, and use of this site. Unauthorized access is a violation of the laws of the United States and the State of Tennessee and may result in civil or criminal penalties.

If any materials on this site or use of this site are contrary to the law of the place where accessed and viewed, the site is not intended for access and view and shall not be used or viewed. Therefore, viewers are responsible for informing themselves of the laws of their specific jurisdiction and complying with them.

Changes to These Terms

CCA reserves the right, at its complete discretion, to change the terms, conditions and use at any time by posting revised terms, conditions and use restrictions on the site. It is the viewer’s responsibility to check periodically for any changes CCA may make to these terms, conditions and use restrictions. Continued use of this site following the posting of changes to these terms, conditions and use restrictions means you accept the changes.

Refund Policy

We understand that in some cases this program is not for everyone. On a case, by case basis, we will consider a full refund. When running a special that only covers the exam and certification fees, there are absolutely no refunds. In such a case what you are paying for is to take the exams and received your certification after passing. The membership and training material will be FREE in that case. However, if you have NOT taken any exams attempts, or download anything,  we will a refund your money if within a 30 day period in most cases.

Otherwise, All orders and membership sales of material are final upon signing up for membership. You have 12 months to take the exams. If you do not take the exam within that time frame, you do not have to pay again but just renew your membership. Please understand that we are a non-profit training and watchdog trade association similar to the Better Business Ass. and our membership is not an internet sales program we operate at cost. Our system was designed to provide a competent test for individuals seeking certification in the credit service industry. We do not offer any money-back guarantee for such a program. No books and materials or testing fees are refundable. There are costs associated with an individual just signing up for membership. The non-refundable Testing fee is normally $99 for each exam and a certification fee of $75 and membership fee of $29 or any discount price offered,  are included in the price, and all shipped items are POD with raw material costs. You can transfer your membership, books, and materials to another party that we will accept on your behalf. It is our goal to work with you in any way we can to assist in this matter. Our operating cost is greater than the materials we offer and you are paying for reproduction. If we do provide a refund, if you download the Starting A Credit Repair Business manual, there is a $47 fee and it can not be refunded.

Copyrights and Trademarks

All materials on this website are the sole and exclusive property of CCA unless otherwise noted. The content of this website is protected by U.S. copyright, trademark, and other laws, and you acknowledge that these rights are valid and enforceable. Misuse, misdirection or misappropriation of any material, image, text, content or trademark contained within the CCA website is prohibited, and CCA will aggressively enforce its intellectual property rights in such Copyrights, Trademarks and Material, including via civil and criminal proceedings.

Entire Agreement

These Terms and Conditions constitute the complete agreement.

All Rights Reserved – 2004-2019

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