Your rights
- You can get your credit reports for free at AnnualCreditReport.com.
- You can dispute inaccurate or unverifiable items yourself, at no cost.
- A credit repair company cannot charge before it has fully performed the service it promised.
- You must receive a written contract and a disclosure of your rights before you sign, and you may cancel within three business days.
- No company can legally remove accurate, current, verifiable information.
- You are never required to use a credit service to correct your own reports.
These are summaries, not legal advice. Federal law (the Credit Repair Organizations Act) and New York law set the full rules. The required written notice will be given to you before any contract.
Report problems or scams to the FTC at reportfraud.ftc.gov and to the CFPB at consumerfinance.gov/complaint.