Your credit file rights.

You have powerful federal rights over your credit file. You can exercise every one of them yourself, for free. Our software is a tool that helps you do exactly that: it reads your file, points to what may be a genuine problem, and helps you act on it.

We are not a credit repair organization. This page is not legal advice.

• Free file disclosures.

  You are entitled to a free copy of your credit report from each nationwide bureau. Request yours at AnnualCreditReport.com.

• The right to dispute.15 U.S.C. § 1681i

  You can dispute information you believe is inaccurate or incomplete, and the bureau must reinvestigate it, generally within 30 days.

• Furnisher investigation.15 U.S.C. § 1681s-2(b)

  When a bureau forwards your dispute to the company that reported the information, that furnisher has its own duty to investigate.

• Unverifiable information must go.15 U.S.C. § 1681i(a)(5)

  If information cannot be verified, it must be deleted or modified.

• Obsolete information.15 U.S.C. § 1681c

  Most negative information generally may not be reported after 7 years, and most bankruptcies after 10 years.

• The right to know who accessed your file.

  You can see who has requested your credit report.

• Freezes and fraud alerts.

  You have the right to place a security freeze, which is free, and to place fraud alerts on your file.

• The right to sue.15 U.S.C. §§ 1681n, 1681o

  You can sue for willful or negligent violations of the FCRA.

• The right to complain.

  You can file a complaint with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, and with your state attorney general.

Accurate, timely negative information generally cannot be removed early, no matter who you pay. Anyone promising guaranteed deletions is describing something the law does not provide.

Disputing information you know is accurate is an abuse of the process. Our software is built for genuine inaccuracies, not for gaming the system.

Everything above, you can do yourself, for free, without us. The value of our software is narrower and honest: it reads your file, matches genuine problems to the right statute-grounded strategy, and tracks the clocks so a deadline does not pass you by.

If that is useful to you, see how SmartCredit AI works

• AnnualCreditReport.com Your free credit reports.
• consumerfinance.gov/complaint File a complaint with the CFPB.
• ftc.gov The Federal Trade Commission.
• identitytheft.gov Report and recover from identity theft.