Consumer rights
You can dispute inaccurate credit information yourself for free.
Credit-repair organizations do not have a special legal right to remove accurate information.
Core rights
- You may contact consumer reporting agencies directly to dispute information you believe is inaccurate or incomplete.
- Consumer reporting agencies generally must investigate qualifying disputes.
- Accurate, current, and verifiable information cannot lawfully be removed merely because it is unfavorable.
- Covered credit-repair services require disclosures and a written contract.
- Federal law provides cancellation rights for covered credit-repair contracts.
- Credit-repair organizations may not make false or misleading statements.
Complaints and official help
CFPB complaint portal • FTC ReportFraud • IdentityTheft.gov
Before paying
Read all disclosures, the written agreement, exact services, payment timing, cancellation form, and privacy practices. Keep copies. Never sign blank documents.