NJ-New Jersey

Credit Repair Laws for 

State Regulation:

The state of new Jersey does not post any specific documents regarding Credit Repair organizations. This could be that they defer to the "Federal Credit Repair Organization" laws. 

They do have some related posts:

NJ Residents Bill of Rights

Consumer Brief - Credit Repair

New jersey Fair Credit Reporting Act

As you read these, you should see that NJ wants to help residents understand their rights, and protect them. 

Our opinion on the matter is that credit repair organizations should help facilitate the process while helping educate clients. Yes, every person has the right to do this them self, but like any process, if you are not familiar with how the process works, you can get discouraged, rejected, or ignored. 
A Credit Repair Organizations duty is to help consumers get fair treatment from credit bureaus which they are entitled to under credit laws while providing their own expertise and experience through a practiced and successful process. Sometimes this means you are a service provider, sometimes as an educator, and sometimes both.