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 inaccurate, incomplete, or unverifiable information from your credit report.
However, the credit bureau is not required to remove accurate information from your report unless it is outdated.
You Have The Right To:
• Obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee.
• Dispute inaccurate information with the credit bureau.
• Add a consumer statement to your credit file explaining disputed information.
• Seek damages from anyone who knowingly reports inaccurate information.
• Ask a credit bureau to remove outdated information.
Credit Reporting Time Limits
Most negative information can stay on your credit report for up to seven years.
Bankruptcies may remain on your credit report for up to ten years.
You Have The Right To Cancel A Credit Repair Contract
You have the right to cancel any contract with a credit repair organization within three business days after signing the contract.
If you cancel within the allowed time period, you are not required to pay any fee.
You Can Contact Credit Bureaus Directly
You may contact the credit reporting agencies yourself without hiring a credit repair company.
Major credit bureaus include:
• Experian
• Equifax
• TransUnion
Additional Consumer Rights
You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act.
Credit repair companies may not:
• Make false or misleading claims
• Charge fees before services are performed (where prohibited by law)
• Advise clients to misrepresent information
Contact Information
Fresh Credit Path LLC
Queen Creek, Arizona
Email: info@freshcreditpath.com