How amazingly relevant to my situation. I am looking to buy a house and I was referred to a credit repair agency by my mortgage financier, so I looked up credit repair agencies at the CFPB and read all the things they told me to watch out for, and sure enough, the agency wants an "monthly stipend" to pay for their services.

Then they act all surprised when I don't want there services and I went to a different mortgage financier. The credit repair company even had the gall to tell me it was founded by a former director of the CFPB. I told them "...then surely if he is the former director of the CFPB, he must know he is in violation of their guidelines!"