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The short version: nothing is payable until the work on that item is done, you have three business days to cancel for no reason, nobody promises you a score or a date, and the file is yours whenever you want it.

Last reviewed 2026-08-27. This is a demonstration of a website design. A real engagement would be governed by a signed contract, not by a web page, and CROA requires that contract to contain specific terms.

1. What this page is

A plain summary. Under CROA 15 U.S.C. 1679d a real engagement must be a written contract containing the terms of payment, a full description of the services, the estimated date by which they will be performed, our name and business address, and a conspicuous notice of your right to cancel. A web page is not that contract and does not replace it.

2. Before anything is signed

You receive the statement titled Consumer Credit File Rights Under State and Federal Lawas its own separate document, before the contract, as CROA 1679c requires. If you did not get it, or it arrived as a clause inside something else, that is a defect and you should say so.

3. Three business days to cancel

You may cancel without penalty or obligation until midnight of the third business day after you sign, under CROA 1679e. You do not have to give a reason. The cancellation form is supplied with the contract in duplicate. Nothing is sent during those three days, so cancelling leaves nothing to undo and produces no invoice.

4. Payment

Nothing is payable in advance, ever. Not a deposit, not a setup fee, not a monthly charge. That is CROA 1679b(b) and it is not something we could waive even if you asked. Invoicing is per item, after that item has an outcome in writing. An item that comes back verified is not billed.

5. What we do not promise

  • Any score, or any number of points. Nobody controls the models and promising is unlawful.
  • Any particular outcome on any item. The decision belongs to the credit agency.
  • Any date. The reinvestigation window is 30 days from receipt, extending to 45, and it is theirs.
  • That an item will stay off. Deleted information can be reinserted, and if it is you must be told in writing within five business days.

6. What we do undertake

  • A free review, and a written summary the same day whether or not you continue.
  • One letter per item, sent to you to approve before it goes anywhere.
  • Sending so the date of arrival is provable, and giving you the tracking.
  • Telling you the due date in writing on the day the clock starts, and acting on the day it passes.
  • Forwarding every reply whole, including the ones that went against you.

7. What you undertake

That what you tell us is true. We will not send a letter asserting something we have been told is false, and under CROA 1679b(a) advising you to make an untrue statement to a credit agency would itself be unlawful. If a sentence in a draft letter is not accurate, tell us and it comes out.

8. This is not legal advice

We are not lawyers and nothing here or on any other page of this site is legal or financial advice. Where a situation needs a lawyer, particularly identity theft or an agency that has ignored two properly made disputes, we will say so and stop rather than keep billing.

9. Your file

The letters, the replies and the dates are yours. Ask for all of it at any time, including in the middle, and it comes as one file within a couple of working days at no charge. Ask for it to be deleted and it is deleted.

10. Ending it

You can stop at any time, in writing or on the phone, without a reason and without a notice period. You are invoiced only for items that already reached an outcome. Letters already sent cannot be recalled, and the agency will still reply; those replies are forwarded to you.

11. If we get it wrong

Tell us, and the complaint is read by somebody who was not involved. You do not have to come to us first. CROA gives you a right of action for a violation, including recovery of what you paid, and complaints to the Consumer Financial Protection Bureau and to your state attorney general are free and do not involve us at all.

12. State rules

Credit repair registration, bonding and disclosure requirements differ by state and change. No registration number, bond number or licence number is published anywhere on this site, because a made up number in a real registry format is not safe merely because it is made up.

13. Governing law

A real engagement would be governed by the law of the state in which the service is provided, without displacing any right you have under federal law or under the law of your own state. Nothing in a contract can waive a right CROA gives you: 15 U.S.C. 1679f says any such waiver is void.