Your Credit File Rights
Last updated
Federal law gives you specific rights whenever you work with any credit repair organization — including us. Here is the statement the Credit Repair Organizations Act requires us to give you, followed by how we apply it.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “credit repair” company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, you may dispute inaccurate information with the credit bureau directly.
You have the right to obtain a copy of your credit report from the credit bureau. You may be charged a reasonable fee.
The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580, has more information about credit bureaus and credit repair companies.
How we honour these rights
- You receive this statement in writing, and any state cancellation notice, before you sign anything.
- You may cancel within 3 business days of signing, for any reason, at no charge — one call or email is enough.
- We collect no fee before the services in your agreement are performed.
- We never promise a specific score outcome, and we never dispute information we know to be accurate.
- These rights apply to Credit Health and to Mortgage Preparation, which includes credit-file dispute work and is therefore a credit repair service under the Act.