The credit bureaus and creditors would like you to think that credit restoration is not legal! They would also like you to think that any company that does credit restoration is not ethical. This is simply not true! Credit restoration businesses are regulated by the Credit Repair Organizations Act governed under the Federal Trade Commission. As with any company you do business with you should make sure they follow all state and federal laws. They should provide you with the consumer’s bill of rights and be transparent with their business dealings with you.