Required Disclosure
This statement is provided to you under the federal Credit Repair Organizations Act before you sign any contract or agreement.
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 company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, unverified information from your credit report. The credit bureau must remove accurate, unverified information from your credit report within a reasonable period of time after you dispute the information's accuracy.
If you have notified 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 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 Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
You may cancel your contract with any credit repair organization, for any reason, within 3 business days from the date you signed it. You may sue a credit repair organization that violates the Credit Repair Organizations Act, and you have certain rights and protections under that Act.