AnnualCreditReport.com
Request your credit reports from the federally authorized source.
Get your reports →Consumer information
Know your rights before you enroll.
The secure enrollment process provides the complete disclosures and agreement for review and acknowledgment.
Your credit-file rights
You may dispute inaccurate information directly with consumer reporting agencies and with the company that supplied the information. You may also obtain your credit reports and, in many circumstances, receive them without charge. Requesting and reviewing your own reports does not lower your credit score. Accurate and current negative information cannot lawfully be removed merely because it is unfavorable.
Federal and Texas disclosures
Before the service agreement is executed, the secure enrollment process must provide the complete federal disclosure and the Texas Credit Services Organization disclosure statement in the legally required form.
Cancellation
The enrollment process must provide the required cancellation notice and deadline. Credit-repair service should not begin before the applicable three-business-day cancellation period expires.
This webpage is a plain-language overview, not legal advice. The separately delivered enrollment documents contain the complete required notices and govern the service relationship.
Independent consumer resources
CFPB credit guidance
Learn about reports, scores, errors, disputes, identity theft, and consumer complaints.
Visit the CFPB →Credit Repair Organizations Act
Review the federal statute and related information from the Federal Trade Commission.
Visit the FTC →