Compliance & consumer rights

CROA disclosures

• You can dispute credit report errors yourself for free.
• Accurate, current and verifiable information cannot legitimately be removed just because it is negative.
• Credit repair organizations cannot charge or receive payment for agreed services before they are fully performed.
• A written agreement must describe the services, total cost, timing and cancellation rights. The required “Consumer Credit File Rights Under State and Federal Law” disclosure is separate from this website summary.
• You may cancel a credit repair contract within three business days without penalty or obligation. Services must not begin before that period ends.

FCRA: your right to dispute

You may dispute inaccurate or incomplete information with the reporting bureau and the company that supplied it. Include the specific issue and supporting records. Investigations generally take 30 days, with up to 45 days in some circumstances; results generally follow within five business days of completion. Disputes do not guarantee a deletion or a score increase.

Get reports through the federally authorized AnnualCreditReport.com. You do not need to buy credit repair services to exercise your rights.

Privacy & service terms

Read how information is collected and used, how to request help, and your responsibilities when reviewing AI-drafted letters. Share progress with a referring partner only with your consent. Never send passwords or Social Security numbers through the public chat or contact forms.

Questions or cancellation requests: support@creditrepaircrx.com. Follow the cancellation notice in your agreement.

State-specific disclosures

State laws may impose additional restrictions, disclosures, registration or bonding requirements. This selector does not confirm service availability, registration or bonding. State-specific operating approvals and required contract disclosures must be reviewed before services are offered.