# Consumer Disclosures and Your Rights | CreditForwardRepair > Consumer disclosures about credit repair services, your rights, and what CreditForwardRepair does and does not do. Canonical page: https://creditforwardrepair.com/disclosures # Consumer Disclosures and Your Rights Last updated September 9, 2026 Draft for owner and legal review. This page was prepared as a starting point and has not been reviewed by an attorney. Credit Forward Repair should confirm it reflects actual practices, applicable state and federal requirements, and the written agreement used with clients before the site goes live on its production domain. ## What CreditForwardRepair is CreditForwardRepair provides credit report review and credit repair services. CreditForwardRepair is not a lender, a loan broker, a dealer, a credit bureau, a law firm, or a debt settlement company, and it does not make or arrange lending decisions. ## Consumer Credit File Rights Under State and Federal Law 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 accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580. ## No guarantees CreditForwardRepair does not guarantee any particular result, including score increases, removal of specific items, or approval for any loan or financing. Results depend on the accuracy of the information on your reports and on how credit bureaus and creditors respond. ## Fees CreditForwardRepair does not charge for a review request. Fees for any services are stated in the written agreement provided before you enroll, and no payment is required before those services are performed, as federal law requires. ## Website tools and content The loan comparison tool and the guides on this site are educational and illustrative. They are not quotes, offers, or personalized advice. ## State registration and bonding Registration, bonding and licensing requirements for credit repair services vary by state. Details for the state you live in are provided in the written agreement and on request before you enroll. --- help@creditforward.org ยท 400 N Ashley Dr, Suite 1900, Tampa, FL 33602 Powered by [Launch Automation](https://launchautomation.ai/custom)