Your rights

This draft is for legal review. It quotes the consumer statement in the federal Credit Repair Organizations Act, 15 U.S.C. § 1679c, and restates Federal Trade Commission consumer guidance. It does not add claims about Innovative Creative Solutions. It does not change the Terms of Use, the Disclaimer, or the cancellation wording already published on this site. A lawyer still has to decide whether that statute applies here.

Consumer Credit File Rights Under State and Federal Law

The following is the written statement in 15 U.S.C. § 1679c(a). The statute says a credit repair organization must give this statement as its own document before a contract is signed, and must keep a signed copy for two years. This page quotes that statement. It does not say the statute applies to this membership.

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 Organization 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

Source: 15 U.S.C. § 1679c.

Federal Trade Commission consumer guidance

These points restate published FTC consumer guidance. They are the FTC's statements to consumers, not claims about Innovative Creative Solutions.

The Federal Trade Commission says the only authorized website for the free annual credit reports federal law entitles you to is AnnualCreditReport.com. You can also call 1-877-322-8228, or mail the Annual Credit Report Request Form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
The FTC says each nationwide credit bureau must give you a free copy of your credit report once every 12 months if you ask, and that the bureaus have extended free weekly reports at AnnualCreditReport.com. Federal law also provides another free report after an adverse-action notice (ask within 60 days), if you are unemployed and plan to apply for a job within 60 days, if you are on public assistance, or if your report is inaccurate because of fraud.
The FTC says that if you see a mistake, write to the credit bureau and to the business that reported the information. The FTC says disputing mistakes on your credit report is something you can do yourself.
The FTC says it is illegal for credit repair companies to lie about what they can do for you, or to charge you before they help you. It says credit repair companies must explain your legal rights in a written contract that details the services they will perform, your three-day right to cancel without any charge, how long it will take to get results, the total cost you will pay, and any results they guarantee.
The FTC says credit repair companies cannot legally remove negative information from your credit report that is correct and up to date. It says you can do the same things a credit repair company can do legally, at little or no cost.
The FTC says it cannot resolve an individual credit dispute. It tells consumers to report scams at ReportFraud.ftc.gov, and to contact their state attorney general about problems with a credit repair company.