You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. Neither you nor any company has the right to remove accurate, current, and verifiable information from your credit report. Credit bureaus may remove negative information only if it is outdated. Most negative information can remain for up to 7 years, while bankruptcy information may remain for up to 10 years.

 

You have the right to obtain a copy of your credit report from each credit bureau. You may be charged a reasonable fee; however, you are entitled to a free report once every 12 months from each of the three major credit bureaus through the official source: AnnualCreditReport.com.

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You are also entitled to a free credit report if:

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• You have been denied credit, employment, insurance, or housing within the past 60 days

• You are unemployed and plan to apply for employment within 60 days

• You are receiving public assistance

• You believe your credit report contains inaccurate information due to fraud or identity theft

 

Credit bureaus are required to follow reasonable procedures to ensure accuracy, but errors may occur.

You have the right to dispute inaccurate or incomplete information directly with the credit bureau at no cost. The bureau must investigate your dispute and correct or remove any information that cannot be verified. You should provide any relevant documents supporting your claim.

 

If your dispute is not resolved to your satisfaction, you have the right to add a consumer statement to your credit file explaining your position. This statement must be included in future reports.

You have the right to sue any organization that violates the Credit Repair Organizations Act (CROA), which protects consumers from deceptive practices.

 

You may cancel your contract with any credit repair organization without penalty or obligation within three (3) business days from the date you signed the agreement.