Consumer Rights Disclosure
This document explains your rights under federal and state law when using credit repair services. CreditClaw is committed to full transparency and compliance with the Credit Repair Organizations Act (CROA). Please read this disclosure carefully.
01 Your Rights Under Federal Law
The following disclosure is required by 15 U.S.C. § 1679c and is provided to you as mandated by federal law:
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.
02 About CreditClaw
CreditClaw is an AI-powered credit education and dispute document preparation tool. CreditClaw is not a law firm, not an attorney, and not a credit repair organization. CreditClaw helps you understand your credit report and prepares dispute letter drafts based on your instructions. You make all final decisions and send all correspondence yourself.
CreditClaw serves clients in both English and Spanish.
03 What We Do and Don't Do
CreditClaw does:
- Analyze your credit report to identify potential inaccuracies, errors, and violations
- Educate you on your rights under the FCRA, FDCPA, and other consumer protection laws
- Generate customized dispute letter drafts with specific legal citations
- Track 30-day bureau response windows and prepare follow-up correspondence
- Identify potential re-aging violations and statute of limitations issues
- Recommend escalation paths when bureaus fail to comply (CFPB, Attorney General, etc.)
CreditClaw does NOT:
- Provide legal advice or act as your attorney
- Guarantee any specific results, score improvements, or timelines
- Dispute information that is accurate, current, and verifiable
- Send letters on your behalf — all letters are drafts for your review and decision
- Use deceptive tactics, fake identities, or misleading dispute reasons
- Store your Social Security Number, full account numbers, or passwords
04 Pricing and Cancellation
Free Scan: Your initial credit report analysis is provided at no cost. No credit card required.
Claw ($29/mo): AI dispute letters, all 3 bureaus, legal citations, human-reviewed, monthly monitoring.
Claw Pro ($59/mo): Everything in Claw plus creditor interventions, goodwill letters, score rebuilding, WhatsApp priority support.
Right to cancel: You have the right to cancel any subscription for any reason within 3 business days of signing up for a full refund. You may also cancel at any time after the 3-day window.
No advance fees: Payment is only collected after services are delivered, as required by CROA.
05 Your Rights Summary
- Dispute credit report inaccuracies yourself, for free, directly with the credit bureaus
- Obtain a copy of your credit report from each bureau
- Cancel your contract with CreditClaw within 3 business days for any reason
- Sue any credit repair organization that violates the CROA
- Receive honest information about what can and cannot be disputed
- Never be charged before services are delivered
06 Filing a Complaint
To file a complaint about a credit repair organization, contact:
- Federal Trade Commission: ftc.gov/complaint
- Consumer Financial Protection Bureau: consumerfinance.gov/complaint
- Your State Attorney General's Office