Client rights
Your rights as a Texas client.
Credit repair is one of the few industries where the rules are written in your favor. Here is what you are entitled to — from us, and from anyone else you talk to.
The short version
You have the right to a free report, the right to dispute anything inaccurate for free, the right to a written contract, and the right to cancel that contract within three business days. No one can charge you to exercise any of them.
You can do all of this yourself, for free
The Fair Credit Reporting Act gives you the right to dispute anything inaccurate on your report, directly with the bureau, at no cost. You never have to hire anyone. What we add is volume, paperwork and follow-through — not access.
You get a written contract before work begins
A credit services organization in Texas must put the terms in writing: what it will do, what it costs, and how you cancel. Nothing about your file should be agreed to over the phone alone.
You have three business days to cancel
Federal law gives you three business days after signing to cancel a credit repair agreement for any reason, and the contract has to tell you how. If an agreement does not mention it, that is a warning sign.
You are told the truth about what is possible
Nobody can delete accurate information, and nobody can promise a specific score. A company that says otherwise is either guessing or lying. Accurate items stay on your report until they age off.
You keep control of your own documents
You can pull your own reports from AnnualCreditReport.com, and you never have to hand over account passwords or let anyone sign your name to a dispute. We prepare letters; you decide what is filed.
Before you sign anywhere
Six things that should make you walk away.
These are the patterns regulators warn about most often, and they are the reason we put our terms on a page instead of a phone script.
- A guaranteed score, a guaranteed deletion, or a guaranteed timeline
- Charging you before any work is performed
- Telling you to dispute accurate information
- Offering to create a new credit identity or an EIN in place of your SSN
- No written contract, or a contract with no cancellation language
- Pressure to sign the same day
If something goes wrong
Complaints go somewhere that counts.
If a credit repair company, a creditor or a bureau has treated you badly, you do not have to argue with them directly. These offices take complaints for free — including complaints about us.
Texas Attorney General — Consumer Protection Division
Handles deceptive trade practices by Texas businesses.
texasattorneygeneral.govConsumer Financial Protection Bureau
Takes complaints about credit repair companies and the credit bureaus.
consumerfinance.govFederal Trade Commission
Reports of credit repair scams and advance-fee violations.
reportfraud.ftc.govThis page is general information about federal and Texas consumer credit rules, not legal advice, and it is not a substitute for reading your own agreement. If you need legal advice about your situation, talk to a Texas attorney.
No pressure, ever
Ask us the awkward questions.
What the contract says, what a fee covers, what happens if a dispute comes back verified — ask before you sign, not after.