Consumer credit file rights under state and federal law

You have the right to dispute inaccurate information in your credit file by contacting the consumer reporting agency directly, at no cost to you. Nothing we do is something you could not do on your own behalf. What you are paying for is the work of doing it: the audit, the drafting, the mailing, the tracking, and the record.

You are entitled to a free copy of your credit file from each nationwide consumer reporting agency once every twelve months, and in additional circumstances, under the Fair Credit Reporting Act. A paid credit monitoring subscription is a convenience in addition to that right, not a substitute for it.

Accurate, current, and verifiable information cannot be permanently removed from a credit report by anyone. Most negative information may be reported for seven years, and a bankruptcy for ten. Any company that tells you otherwise is not telling you the truth.

Whether an item is corrected, updated, or deleted is decided by the consumer reporting agency or by the company that furnished the information. It is not decided by us, and we cannot promise a result.

We will never advise you to make an untrue or misleading statement to a consumer reporting agency or to a creditor, and we will never suggest that you create a new credit identity by obtaining an employer identification number to use in place of your Social Security number, or by using a different address. Both are federal crimes.

Every statement in a dispute letter comes from something you asserted. The platform composes the letter from your assertions and from a reviewed library of statutory citations. It does not originate facts.

Dispute letters are authored and signed by you, in your name, and sent from your address. haze dispute pro is not a law firm, does not provide legal advice, and does not represent you in any capacity. We assist with drafting and supply the supporting citations.

You will not be charged for credit repair services before those services are fully performed. Fees are billed against completed dispute rounds.

You may cancel your contract with us, without penalty or obligation, at any time before midnight of the third business day after the date on which you signed it. No dispute round will be sent on your behalf until that period has elapsed. To cancel, notify us in writing at the address on our contact page.

The Credit Repair Organizations Act, 15 U.S.C. §1679 et seq., prohibits deceptive practices by credit repair organizations. You have the right to sue a credit repair organization that violates it. You may report violations to the Consumer Financial Protection Bureau, to the Federal Trade Commission, or to your state Attorney General.