Credit Repair Organizations Act (CROA) Disclosure
In accordance with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.), you have the right to obtain a copy of your credit report directly from a consumer reporting agency at no cost under certain circumstances. You also have the right to dispute inaccurate, incomplete, outdated, or unverifiable information directly with the credit bureaus without paying any fee. You are not required to purchase credit repair services to exercise these rights.
FreshTrack Credit cannot and does not guarantee the removal of accurate, current, or verifiable information from your credit report. No specific credit score increase, timeline, or outcome is promised or guaranteed.
California Consumer Credit Rights Notice
California consumers have rights under both federal and state laws regarding credit reporting and credit repair services. Consumers may obtain copies of their credit reports, dispute inaccurate information directly with credit reporting agencies, and request investigations of disputed items.
Consumers are encouraged to review their rights under the California Consumer Credit Reporting Agencies Act (CCRAA) and the federal Fair Credit Reporting Act (FCRA).
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