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Consumer Credit File Rights
Federal law requires every credit repair organization to give you this statement before you sign any contract. We publish it here so you can read it before you ever contact us.
The text below is reproduced exactly as written in the Credit Repair Organizations Act, 15 U.S.C. ยง1679c(a).
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 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 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 Organization 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.
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
What's changed since this was written
The statement above was written into law in 1996 and still has to be given word for word. A few practical details have changed since then.
- You can get free credit reports from all three bureaus at AnnualCreditReport.com, the official site set up under federal law.
- The Consumer Financial Protection Bureau also oversees credit reporting. You can file a complaint about a bureau or creditor at consumerfinance.gov/complaint.
- You can report a credit repair scam to the Federal Trade Commission at ReportFraud.ftc.gov.
How ClearPath follows this law
These aren't just rules we're required to post. They shape how we work.
- Full-service clients receive this statement as a separate document and sign to acknowledge it before any contract.
- Every full-service contract is written and dated, and describes the services, total cost, and expected timeline.
- You can cancel within 3 business days of signing, for any reason, using the cancellation form included with your contract.
- We don't collect payment for credit repair services before they're fully performed.
- We dispute information that's inaccurate, incomplete, or unverifiable. We never claim we can remove accurate information.