Your rights under the Credit Repair Organizations Act.

This page is a plain-language summary. You receive the full required disclosure in writing before any agreement.

You have the right to a written contract.

The contract must explain the services, the total cost, the time expected, and the company's identifying information.

You have three business days to cancel.

You may cancel without penalty during the cancellation period described in your agreement.

You cannot be charged in advance.

A credit repair organization cannot collect payment before the promised service has been fully performed.

You can dispute information yourself for free.

You do not need a credit repair company to contact the bureaus. You have the right to dispute inaccurate information directly at no cost.

You may have the right to sue.

If a credit repair organization violates federal law, you may have legal remedies. Talk with a qualified attorney about your specific situation.

Read more from the Federal Trade Commission.