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Credit repair is a billion-dollar industry but is it based on truth or lies? I'm going to shed light on federal laws that make you ask yourself what law says you have to pay a bill? After years of studying and going on a state-to-state tour, the experiences must be shared to help others. "Credit scores" are fraud, your car, home etc was paid as soon as you.... Federal laws you were never taught in school but has been public law for years! These are the laws they do not want you to know to live without fear. Did you know repossession and foreclosure is against federal law? Did you know you were a creditor and not the borrower?