According to CROA, when must payment be made to credit repair organizations?

The correct answer, which indicates that payment must be made only after the promised services have been fully performed, aligns with the stipulations outlined in the Credit Repair Organizations Act (CROA). This regulation is designed to protect consumers from deceptive practices in the credit repair industry.

By requiring that payment occurs only after services are fully completed, the CROA ensures that consumers are not financially obligated to pay for services that have not yet been delivered, thereby encouraging transparency and accountability from credit repair organizations. This requirement helps to safeguard consumers from potential fraud and ensures they receive the benefits promised before any financial transaction takes place.

In contrast, other timing options would not conform to the protective intent of the CROA. For example, demanding payment before services are rendered could place consumers at risk of losing money without any guarantee of service fulfillment. Similarly, payment upon signing a contract could potentially lead to situations where consumers pay upfront for services that may never be provided.