USA Credit Services was targeted as part of Operation Payback, a joint federal-state crackdown on fraudulent credit repair telemarketers. The settlement also bars violations of the Telemarketing Sales Rule, which prohibits credit repair telemarketers from asking for any money until six months after they deliver their services. Finally the settlement contains record keeping provisions to allow the agency to monitor compliance. The Commission vote to accept the proposed consent judgment was 5-0. This consent judgement is for settlement purposes only and does not constitute an admission by the defendant of a law violation.
Consent judgments have the force of law when signed by the judge.