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Credit Repair: Your Rights Under Federal Law

1. Your right to cancel a credit repair contract

   Federal law gives you three business days to walk away from a new credit repair contract, at no charge. Here is what the law requires before and after you sign.

2. How to Spot Credit Repair Scams Before You Pay

   A company promises a fast, guaranteed fix for your credit. The law has a short list of things no honest one will ever do.

3. Business Credit Repair and What the Law Says

   Owners searching for business credit repair run into a federal law written for individuals. Here is what the Credit Repair Organizations Act requires, forbids, and leaves out.

4. Is It Worth Paying Someone to Fix Your Credit?

   A company says it can fix your credit for a fee. The law sets strict rules on what it may charge, say, and do. Here is what to check before you pay.

5. How Do I Repair My Own Credit?

   A business owner can dispute credit report errors for free. Here is the process, and how to spot a repair company that breaks the law.

6. What Credit Repair Can and Cannot Do for You

   Ads promise a fix for your credit. The law says what a company may charge, what it must put in writing, and what you can do yourself for free.