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 (CROA). 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 must investigate your dispute for free, and correct or remove inaccurate, incomplete, or unverifiable information. The credit bureau may not charge any fee for this service. Any accurate information that is removed from your credit report as a result of our services must be reinserted by the credit bureau if it is later verified by the creditor.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
We are a credit repair organization. We provide a service to help you exercise your rights to dispute information in your credit reports. You may cancel your contract with us at any time. We charge a fee for services rendered in the preceding month. We do not charge or collect any fee before a service is fully performed.