CONSUMER CREDIT FILE RIGHTS UNDER FEDERAL AND STATE LAW
As a consumer, you have the right to challenge any inaccurate information in your credit report by contacting the credit bureau directly. However, no individual or organization has the authority to remove accurate, current, and verifiable information from your report. Credit bureaus are only required to remove accurate negative information if it exceeds the legal reporting period, typically 7 years, except for bankruptcy records, which can remain on your report for up to 10 years.
You have the right to request a copy of your credit report from a credit bureau. A reasonable fee may apply unless:
Credit bureaus must provide support to help you understand the information in your credit report upon request.
You can take legal action against any organization that violates the Credit Repair Organizations Act (CROA). This federal law protects consumers from misleading practices by credit repair businesses.
You have the right to cancel any agreement with a credit repair organization without penalty or obligation within three business days from the date the agreement was signed. A Notice of Cancellation form is included to help you exercise this right.
Credit bureaus are required to take reasonable measures to ensure the accuracy of the information they report, but errors can occur.
If the dispute remains unresolved to your satisfaction, you can submit a written statement explaining your position. This statement will be included in your file and shared whenever your credit report is accessed.
Credit bureaus and credit repair organizations are overseen by the Federal Trade Commission (FTC). For additional information, you can contact:
Federal Trade Commission
Public Reference Branch
Washington, D.C. 20580
Copyright © 2025 MyCreditScoreBoost.com - All Rights Reserved.
We use cookies to analyze website traffic and optimize your website experience. By accepting our use of cookies, your data will be aggregated with all other user data.