Transparency & Compliance

Your rights under federal credit law, and exactly what Restore Your Credit is and isn't.

Credit Repair Organizations Act (CROA) Disclosure

Restore Your Credit is subscription software: you review and send your own disputes, and we don't contact the credit bureaus or your creditors for you. If you hire a credit repair organization, the Credit Repair Organizations Act (CROA) gives you these rights:

• Right to Cancel: You can cancel a credit repair contract within three (3) business days of signing it without owing any fees. Restore Your Credit applies the same window to its subscriptions: cancel within 3 business days of subscribing for a full refund.
• Self-Help Rights: You may dispute inaccurate information on your credit report directly with credit bureaus yourself, at no cost. You do not need to hire a credit repair company to exercise this right.
• Written Contract Required: Any credit repair organization must provide you with a written contract that outlines the services to be performed, the terms and conditions of payment, and your right to cancel.
• No Upfront Fees: Credit repair organizations are prohibited from charging or receiving any money or other valuable consideration before services are fully performed.
• No False Claims: Credit repair organizations may not make untrue or misleading statements or use any untrue or misleading representations of their services.

For more information about your rights under CROA, you may contact the Federal Trade Commission (FTC) at www.ftc.gov or your state Attorney General's office.

Fair Credit Reporting Act (FCRA) Notice

Under the Fair Credit Reporting Act (FCRA):

• Dispute Rights: You have the right to dispute inaccurate, incomplete, or unverifiable information on your credit report directly with credit reporting agencies (Experian, TransUnion, Equifax).
• Investigation Requirements: When you submit a dispute, credit bureaus must investigate within 30 days (or 45 days in certain circumstances) and respond to you in writing.
• Accurate Information: Only inaccurate, incomplete, or unverifiable information may be removed from your credit report. Accurate negative information generally remains on your report for seven years (10 years for bankruptcies).
• Free Credit Reports: You can get free credit reports from each bureau every week through AnnualCreditReport.com.
• Creditor Notification: If a dispute results in a change to your credit report, you can request that the bureau send notice of the correction to anyone who received your report in the past six months.

Subscription Summary

What you get: Software tools and educational resources: report analysis, dispute letter drafting, tracking and courses. You decide what to dispute and you send it (or ask us to mail a letter you approved). We do not guarantee the removal of any item or improvement of any credit score.

Billing: Plans are charged when you subscribe and then on the same day each month until you cancel. Prices are shown before you pay.

Cancel anytime: Cancel from your Billing page to stop future charges. Cancel within 3 business days of subscribing for a full refund of your subscription payment; after that, payments already made aren't refunded. Course access and digital products are non-refundable once access is granted.

Credit repair businesses: Businesses using the Business Suite are responsible for their own CROA and state-law compliance with their clients.

No Guarantee of Results: Credit reporting outcomes depend on third-party credit bureaus and data furnishers. Individual results vary based on individual credit profile and creditor reporting practices.

Important Disclaimer

Features are delivered through software-assisted automation and require client authorization, data availability, and third-party integrations. We do not guarantee credit score increases or outcomes.

Software, not a service: Restore Your Credit provides software tools for disputing credit report errors yourself. Some features need a credit report, either connected through SmartCredit (billed separately by SmartCredit) or uploaded by you.

Not Legal Advice: Restore Your Credit provides software and credit education. We are not a law firm, and nothing on this site is legal advice. For legal matters, please consult a qualified attorney.

Results Not Guaranteed: Credit results vary based on individual circumstances. We cannot guarantee specific outcomes, score increases, or that any particular items will be removed from your credit report. Only inaccurate, incomplete, or unverifiable information may legally be disputed.

Plan-Based Access: Features unlock based on your subscription plan. If a credit repair business manages your account, it may ask you to upload documents and sign an authorization before it starts work.

Timeline Variability: The time required to see results from credit repair efforts varies. The dispute process typically takes 30-45 days per round, and multiple rounds may be necessary. Some users see improvements quickly, while others may take several months.

Your Responsibility: You are responsible for the accuracy of the information you provide to us. You should only dispute items that you genuinely believe to be inaccurate, incomplete, or unverifiable.

Third-Party Services: Our platform may integrate with third-party services (such as credit report providers). Your use of those services is subject to their respective terms and conditions.

Cancel Anytime: You may cancel your subscription at any time. No long-term contracts are required.

Terms of Service

Full terms and conditions governing your use of our platform and services.

Privacy Policy

How we collect, use, and protect your personal information.