WTF? Fine Print for Credit-related Affiliate Program

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JerseyGirl

JerseyGirl

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Feb 5, 2008
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So I was looking to plug a host of credit repair/ reporting related ads on a new site I'm running (where it's only peripherally related- the site is about real estate) and holy crap the fine print is specific.

All of them are running some version of this:

[SIZE=-1]*[/SIZE][SIZE=-1] They must not use the following terms: "improve," "enhance," "boost," "raise," and "increase" in the same phrase as "score" or "rating." * They must not use the phrases "credit repair," "credit rebuilding," "credit fix," "repair your credit," "fix your credit," or combinations of those words.
[/SIZE][SIZE=-1]* They must not use the terms "advice," "tips," suggestions," or "instructions" in the same phrase as "improving," "enhancing," "boosting," "raising," or "increasing" a credit score or credit rating.
[/SIZE]
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How am I supposed to convey the importance of a credit score to a mortgage loan application with compelling language and not mention the importance of knowing and improving your credit score?
 


The reason you cannot use those word combinations is because the credit "repair" companies could be sued for fraud. They don't really "repair" your credit, and they can't guarantee anything for you. They basically just flood the credit bureaus with complaints on each item in your credit report (which, technically is illegal, and many have been sued by the federal government for doing this).

Anyway, they require you to not use those word combos so they can't be sued for fraud or false advertising. It sucks, but there are other combos you can use, such as "build up your credit score" as acemenace suggested. Try a keyword tool to find other combos
 
JerseyGirl said:
How am I supposed to convey the importance of a credit score to a mortgage loan application with compelling language and not mention the importance of knowing and improving your credit score?
Click to expand...

Maybe they're using Facebook's ad approval team.
 
merlin981 said:
The reason you cannot use those word combinations is because the credit "repair" companies could be sued for fraud. They don't really "repair" your credit, and they can't guarantee anything for you. They basically just flood the credit bureaus with complaints on each item in your credit report (which, technically is illegal, and many have been sued by the federal government for doing this).

Anyway, they require you to not use those word combos so they can't be sued for fraud or false advertising. It sucks, but there are other combos you can use, such as "build up your credit score" as acemenace suggested. Try a keyword tool to find other combos
Click to expand...

The same situation is true with credit reporting/protection service. The FTC had a special group that busted most of the illegal credit repair companies in the early 90's. My understanding that there are still 2 full time people whose job is to continue to look into credit repair companies.

I would recommend just using the scare language instead of the helping language.

Helpful Language: IMPROVE YOUR CREDIT SCORE!
Scare Languge: BAD CREDIT SCORE CAN COST YOU THOUSANDS!
 
The keyword is "phrase". What constitutes a phrase? A sentence? How many? You see the grey area, now play within that.
 
and make sure they never see your ads or LP - this way they have no idea what the heck you are actually saying.
 
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