CROA Disclosure
Our compliance statement under the Credit Repair Organizations Act & Fair Credit Reporting Act
Credit Score Giant operates in full compliance with the Credit Repair Organizations Act (CROA), a federal law that protects consumers seeking credit repair services, and the Fair Credit Reporting Act (FCRA), which governs the accuracy and privacy of credit report information. Below is a summary of your rights and our obligations.
No Fee Before Services Are Performed
Under CROA, we cannot and do not charge you any fee before the agreed-upon credit repair services are fully performed. Payment for each dispute round is collected only after that round of services has been completed.
3-Business-Day Right to Cancel
You have the right to cancel your contract with us within 3 business days of signing at no cost. Cancellation instructions are included in your written contract.
Written Contract Before Any Work
Before any credit repair work begins, we provide a written contract detailing the scope of services, the total cost, the timeframe, and your cancellation rights.
No Guarantee of Results
We do not guarantee the removal of any specific item from your credit report or any particular increase in your credit score. Individual results vary based on your credit history.
What We Dispute
We dispute only items that are inaccurate, unverifiable, misleading, or obsolete under the FCRA. We do not advise you to make false statements or to dispute information you believe to be accurate.
Your Right to a Free Credit Report
You may obtain your credit report on your own, free of charge, at annualcreditreport.com. You are not required to use our services to access your credit reports.
Not Legal Advice or an Offer to Lend
The information and services provided by Credit Score Giant are not legal advice and do not constitute an offer to lend or extend credit. Our services are not a substitute for the advice of a qualified attorney.