Consumer Credit File Rights Under State and Federal Law

You have the right to dispute inaccurate or incomplete information in your credit report directly with the credit reporting agencies. There is no fee for doing so.

You have the right to obtain a free copy of your credit report from each of the nationwide consumer reporting agencies once every 12 months.

You may contact the credit reporting agencies directly:

• Experian
• Equifax
• TransUnion

You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act.

You have the right to cancel any contract with a credit repair organization within three (3) business days without charge.