Last Updated: May 2024
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. Accurate negative information can remain on your credit report for up to 7 years, or 10 years for bankruptcies.
Right to Cancel
You may cancel this contract without penalty or obligation at any time before midnight of the third business day after you signed the contract. See the attached notice of cancellation form for an explanation of this right.
Credit Repair Services Agreement
Before signing a contract with us, you will receive a written statement of:
- Your credit file rights under state and federal law
- The exact terms and conditions of payment
- A detailed description of services to be performed
- The total amount you will have to pay
- An estimate of how long it will take to achieve results
No Advance Payment
You will not be charged any fees until after we have completed the promised services. We cannot accept any advance payment for credit repair services.
Legal Disclaimers
- We cannot remove accurate negative information from your credit report
- No one can legally remove accurate and timely negative information from a credit report
- Results vary based on your individual circumstances and the accuracy of items in your credit report
- We do not guarantee specific results or improvements to your credit score
Your Rights Under CROA
The Credit Repair Organizations Act provides you with certain rights, including:
- The right to dispute inaccurate information yourself without hiring a credit repair organization
- The right to sue a credit repair organization that violates the Credit Repair Organizations Act
- The right to accurate representations of our services
- The right to a detailed contract specifying services, payment terms, and estimated timeframe
Service Performance
We will:
- Review your credit reports with you
- Identify potential inaccuracies and errors
- Prepare and submit disputes on your behalf
- Monitor responses from credit bureaus
- Keep you informed of progress
Your Responsibilities
You agree to:
- Provide accurate information
- Review and verify information we submit on your behalf
- Notify us of any changes in your credit report
- Promptly provide requested documentation
- Maintain copies of all correspondence
Changes to Terms
We may update these terms at any time. Continued use of our services after changes constitutes acceptance of the updated terms.
Contact Information
For questions about these Terms of Service or to exercise your rights, please contact us at service@cheatingdebt.com.
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
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, 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 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 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 if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
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 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.
