This page reproduces the statement required by Credit Repair Organizations Act, 15 U.S.C. § 1679c. It is not our explanation, summary, or advice. For plain-language guidance about the dispute process, see the scope and limitations page.
Disclosure CROA_1679C · version 2026.08.1 · jurisdiction US-FEDERAL
This statement is provided pursuant to the federal Credit Repair Organizations Act, 15 U.S.C. § 1679c. You are entitled to receive this disclosure before you sign any contract with a credit repair organization.
You have a right to dispute inaccurate information yourself
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” organization or credit repair service 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
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 from each of the three major credit bureaus once every 12 months by visiting annualcreditreport.com.
You have a right to sue a credit repair organization that violates the CROA
The Act states that any credit repair organization that violates the Credit Repair Organizations Act is liable to you in an amount equal to the sum of the amount of any actual damage sustained by you, plus any punitive damages the court may allow.
You have a right to cancel your contract
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 are required to follow reasonable procedures
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The following information may not be included in your credit report
(1) Bankruptcy information more than 10 years old.
(2) Credit information or any other adverse information that is more than 7 years old.
For more information
For additional information about your rights, or to file a complaint, contact: Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552, consumerfinance.gov.
You may also contact your state Attorney General's office.