Credit Repair

that doesn't take

the shirt off your back

Consumer Rights & Links

Did you know?

You must be told if information in your file has been used against you.

Anyone who utilizes a credit report to make decisions based on information in that file (insurance, credit companies, banks or employers) or anyone who will take adverse action based in part or in whole must tell you, and give you the name, address and telephone number of the agency that provided the information (ex. Original creditor)

You have the right to know what's in your file.

You may request and obtain all the information about you in any file held by a consumer reporting bureau("Your file disclosure"). You will be required to provide proper identification including a social security number. Most disclosures are free. You are entitled to a free file disclosure if: A person has taken adverse action against your person/a business entity because of information contained in a credit report; you are a victim of identity theft and have initiated a fraud alert on your file; your file contains false information due to identity theft of fraud; you are on public assistance; you are unemployed but expect to apply for unemployment within 60 days.

All consumers are entitled to one free disclosure every 12 months upon request from each of the top 3 credit reporting bureaus, nationally. You may visit or for more information.

You have the right to ask for a credit score.

Credit scores are numerical summaries which quantify your credit worthiness based on information culled from credit reporting bureaus. You may request a credit score from consumer reporting bureaus that create scores or distribute scores used in residential/real property loans, but you will have to pay for it. In some mortgage transactions, you may receive credit score information for free from the mortgage lender.

You have the right to dispute incomplete or inaccurate information.

If you identify information on your file(s) that is incomplete or inaccurate and report it to the consumer reporting bureaus, the bureaus must investigate.

Consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information.

Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However a consumer reporting bureau may continue to report information it has verified as accurate.

Consumer reporting bureaus may not report outdated negative information.

In many, if not most cases a consumer reporting bureau may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old.

Access to your file is limited.

A consumer reporting bureau may provide information about you to people with a valid need—usually to consider an application with a creditor, insurer, employer, landlord or other business.

You must give consent for consent to be provided to employers.

A consumer reporting bureau may not give out information about you to your employer, or a potential employer without you written consent given to the employer in question. Some industries are exempt from this.

You may limit "prescreened" offers of credit and insurance you get based on information in your credit report.

Unsolicited "prescreened" offers for credit and insurance must include toll-free telephone numbers where you can call and opt to remove yourself your name and address from lists these offers are based upon. You may opt out with the nationwide credit bureaus at:

1-888-5optout (1-888-567-8688)

You may seek damages from violators.

If a consumer reporting bureau, or in some instances, a user of consumer reports or a furnisher of information to a consumer reporting bureau violates the FCRA, you may be able to sue in state or federal court.

Identity theft victims and active duty military personnel have additional rights.

For more information please visit;

States may also enforce the FCRA, and many states have their own consumer reporting laws.

In some cases, you may have more rights under state law. For more information on your rights contact your State Attorneys General.

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Advocacy & Consumer Links

The following is a list of consumer's rights, laws, Advocacy organizations and consumer credit links.

As part of our transparency we have tried to reflect accuracy and factual information. The information contained in this section should serve as a guide only, as we encourage all consumers to visit the respective websites and/or research the application of laws in their state.

Free / Link

Government Bookstore (Publications)

A complete listing of publications from the United States Government available for free either in PDF or via postal mail.

Free / Link


Act signed into law to promote fairness, accuracy and privacy of consumer information contained in the files of credit reporting agencies.

Free / Link


Limits the behavior and actions of third party debt collectors

Free / Link


statute created to prevent credit repair organizations from engaging in unfair business practices, unfair tactics that result in a financial hardship for consumers of limited financial means or the uneducated.

Free / Link


Designed for greater transparency, this law allows for consumers to request their credit report free once a year from the top 3 credit reporting bureau's.

Free / Link


Consumers can request their free credit report annually from the top 3 credit reporting bureau's. We recommend:

Free / Link


Agency created to protect consumers rights. Among the work they do, they investigate entities that do not comply with the laws governing credit repair, debt management and all other aspects of the FCRA.

Free / Link

ATTORNEY GENERAL OF FLORIDA, Ashley Moody (Our Charter State)

The office of the ATTORNEY GENERAL assists and protects consumers from fraud and deceptive practices. Complaints are welcomed and their website is full of free links and guidelines.

Free / Link

Attorney General of Florida Consumer Complaint Form

Complaint form provided directly from the office of Ashley Moody.

Free / Link

Federal Trade Commission, Consumer Guide To Spotting Credit Repair Scams Checklist

Checklist for how to spot scam Credit Repair companies & independent operators. Check it out, the information here applies to every state in the union & all lawful territories.

Free / Link

Federal Trade Commission Report Scams

Here is the direct link to reporting a scam to the FTC. Been shafted? Robbed? No one takes you more serious than these people, this is what they do.

Free / Link

Florida Unlicensed Practice of Law

If you're like me, you've come across many people who claim to be something they are not. In the practice of law, this is a crime. If you have had dealings with someone who practices law or gives legal advice illegally, follow this link or call, they can help you. (Florida Bar Association)

Free / Link

Florida Bar Association General Public Query

If you have had legal issues, need an attorney recommended, have questions regarding what an attorney's record is, or anything else in Florida, this is a great site.

Free / Link


The place to put a face to a state, the people listed here are all State AG's, clicking on their images will no doubt send you to each prospective website. I'd recommend this to all consumers.

Debt Consolidation Servicers & National nonprofits

Just because this isn't something we handle doesn't mean it isn't something our visitors don't need. Included here as a guide of sorts, we do not endorse any company here or partner with them. We do not receive financial consideration of any kind from this listing. Emptor Caveat all the way. Presented here for informational purposes.

Free / Link

In Charge Military & Veteran Debt Relief

This a nonprofit advertising directly to Active Military & Veterans.

Free / Link

Debt . Org

This is another nonprofit serving Veterans.

Free / Link

Debtor Education Programs, approved counselors

Links directly to the Dept of Justice's website and approved bankruptcy counselors. These people have been vetted by the government.

Free / Link

USA . Gov

This is a government run website with various helpful links and information on credit.

Free / Link

National Foundation for Credit Counseling

This site not what you were looking for? Need help and we can't take you as a client? The NFCC may be able to help you out. As usual, they are a nonprofit.

National Credit Reporting Agencies (Credit Bureau's)

The top 4 Credit Reporting Agencies or Credit Bureau's: Experian, Equifax, TransUnion & Innovis. These are good links to have. Never, under any circumstances trust any company or individual that tells you not to contact a CRA yourself.

That, would be major bullshit.

Free / Link


Operating out of Texas, which makes sense since they are the biggest, & things are supposed to be bigger there.

Free / Link


Operating out of Georgia. This is the second biggest CRA & currently in deep shit over the whole security breach.

Free / Link


Operating out of Illinois, third biggest CRA.

Free / Link


Operating out of Pennsylvania, not a bureau we deal with, but you may find them useful.

Free / Link

Connect (previously known as PRBC)

Operating out of Georgia, Connect, previously known as Pay Rent Build Credit is another of the nearly 40 CRA's in the U.S. we don't use them but they may be helpful.

Free / Link

Chex Systems

This is the reporting agency that handles banking information. Information not found in the top 3 may be found here.

Student Loan Repayment & Rehabilitation Links

A great deal of our clients have issues with outstanding debt & defaulted student loans. While we do not provide counseling in this area, we do recognize that it can seem a daunting task to take control of. Here we have listed a few sites which make getting out of delinquency with the Dept. of Education a cinch. 

Free / Link

Student Aid. Gov

This is the website to go to when loans are in default with the department of education proper.

Free / Link

The College Investor

This website features tons of helpful information in normal English as well as a complete list of collection agencies that work with the Dept of Education

We do more to link our visitors to consumer protection organizations and provide more concise information than any competitor in the industry.

click on any of the seals below to go directly to the sites

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