You have the right to dispute information yourself

You do not have to pay anyone to repair your credit. You can get free copies of your reports from AnnualCreditReport.com and dispute inaccurate information directly with Equifax, Experian and TransUnion at no cost. You may also contact a nonprofit credit counseling service. Our proposed service offers assistance with factual review and client-approved disputes. You can choose to handle disputes yourself.

No advance fees

The Credit Repair Organizations Act prohibits charging or collecting payment for an agreed service before it is fully performed. Starting work does not make a fee due. Covered telemarketing sales have additional payment conditions, including evidence of promised results in a consumer report issued more than six months after those results were achieved. Any future agreement must reflect all applicable federal and state conditions.

No guaranteed results

We cannot and do not promise that any specific item will be removed or that your credit score will increase by any particular amount. We cannot and do not claim to be able to remove accurate, timely information from your credit reports. Results depend on the facts of your file and the investigation.

Your right to cancel

Federal law provides a right to cancel without penalty before midnight of the third business day after signing. Applicable state law may provide more time or additional rights. Your agreement and completed cancellation notices must explain the applicable deadline and how to cancel.

Written agreement required

Before any covered services begin, you must receive the separate statutory disclosure and sign a dated agreement describing services, all payments, the completion estimate and required cancellation terms. You must receive copies of signed documents and duplicate cancellation notices. Services cannot begin before the federal waiting period ends; our proposed service also waits through any longer applicable state cancellation period.

We are not a law firm

CreditFixRS is a credit repair organization. We are not a law firm, we do not provide legal advice, and we do not represent you in any legal proceeding. For legal questions about your rights, we recommend consulting a consumer-law attorney.

Questions

Our proposed service is subject to state eligibility and launch requirements. For general availability questions, email [email protected]. Do not email credit reports, Social Security numbers or identity documents. For interpretation of your legal rights, consult a consumer-law attorney.