Consumer Credit File Rights Under State and Federal Law

1. Free Right to Dispute. You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. There is no fee for this. You may dispute items with each of the three major credit reporting agencies — Equifax, Experian, and TransUnion — at no charge, without the assistance of a credit repair organization or any third party.

2. Outdated and Unverifiable Information. An adverse item of information in your credit report generally may not be reported if it is outdated. Most negative information (other than bankruptcies, which may remain for up to 10 years) must be removed after 7 years. In addition, if a credit bureau cannot verify the accuracy of an item you dispute, that item must be removed from your credit file.

3. Bureau Reinvestigation Obligation. If you notify a credit bureau in writing that you dispute the accuracy of information in your credit file, the bureau must reinvestigate within 30 days of receiving your dispute (with limited exceptions for frivolous disputes). During reinvestigation, the bureau must review the disputed information and record the current status of the item, or delete the item if it cannot be verified.

4. Right to Add a Statement. You have a right to add a brief statement to your credit file if you disagree with the outcome of a reinvestigation. The statement will explain your position regarding any disputed item, and it will be included or summarized in any future consumer report containing the disputed information.

5. Right to See Your File. You have a right to know what is in your credit file. You are entitled to one free credit report per year from each of the three major bureaus through annualcreditreport.com. You also have the right to request your file at any time and to know who has accessed your credit information.

6. No Guarantee of Results. Dispute2Go (IPA LLC) cannot guarantee the removal of any item from your credit report. Credit bureaus make the final determination as to whether an item is deleted, updated, or verified. A credit repair organization cannot lawfully promise specific point increases, guarantee a particular credit score, or guarantee specific outcomes from a dispute.

7. Right to Cancel. You may cancel any contract with a credit repair organization within 3 business days of signing the contract, without penalty or obligation. The right of cancellation begins on the date you sign the contract. To cancel, you must deliver a written notice to the credit repair organization (by mail, fax, or other means) before midnight of the third business day after signing.

8. No Advance Fees. Under CROA §1679b, credit repair organizations are prohibited from charging or receiving any money or other valuable consideration for the performance of any service before such service is fully performed. You should not be charged before the credit repair services have been completely delivered.