The law also proscribes such practices as the creation of new identities and credit files or any lying about your credit history in general
. Other banned practices include accepting payment for services not yet fully rendered and asking consumers to waive their CROA rights. Under CROA, bad credit repair companies must inform you of these CROA rights, and others like being able to cancel a contract within three days of signing. You must also be notified under CROA that you may still obtain personal credit information on your own and even pursue credit repair efforts on your own.