Federal law requires that you receive this statement before any credit-repair engagement. We're giving it to you here, in full, plus a plain-English summary of what it means.
The short version: nobody — not us, not anyone — can lawfully remove accurate, current, verifiable information from your credit report. What a disciplined dispute process can do is get inaccurate and unverifiable items corrected or deleted. You can also do all of it yourself for free, and we'll show you how in our free guide. And you may cancel any credit-repair contract within 3 business days, for any reason.
The following is the disclosure required by the Credit Repair Organizations Act, reproduced verbatim from the statute:
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
You may cancel any credit-repair contract with us for any reason within 3 business days of signing it, and receive a full refund. You do not have to explain why.
To cancel, send us written notice at support@runyourcase.com or by mail to the address in your agreement. An email is enough — we will confirm in writing and refund you. If you purchased a credit-related product from us and want to cancel within that window, replying to your delivery email is sufficient.
We do not charge for credit-repair services before they are performed. Any credit-repair engagement is governed by a separate written contract, provided to you before you sign and before you pay, containing the terms and the cancellation form federal law requires.
We make no promises about score changes or specific deletions, because no honest business can. What we provide is documents built on the actual dispute process, an explanation of how that process works, and help staying organized while you run it.
We are not attorneys and this is not a law firm. Nothing on this page is legal advice. This page reproduces a federally required disclosure and explains our practices. If you need legal advice about your credit situation, consult a licensed attorney in your state.
← Back to the Credit Repair desk · Read the free dispute guide →