Coach Credit BaeCOACH CREDIT BAEFree Analysis
Credit Repair Disclosures

CREDIT REPAIR DISCLOSURES

This page explains your rights under federal consumer reporting and credit repair laws. These disclosures are provided before you sign any agreement. This is a draft for legal review.

Your Rights Under the Fair Credit Reporting Act (FCRA)

  • You have the right to a free copy of your credit report in certain circumstances.
  • You have the right to dispute inaccurate or incomplete information directly with the credit bureaus — at no cost.
  • Credit bureaus must investigate disputes, generally within 30 days, and correct or delete information that is inaccurate, incomplete, or cannot be verified.
  • Accurate, timely, and verifiable negative information cannot simply be removed on demand.

Your Rights Under the Credit Repair Organizations Act (CROA)

  • You may not be charged any money until a credit repair organization has completed all promised services.
  • You have the right to cancel a contract within three business days of signing it, without penalty.
  • A credit repair organization may not make false or misleading claims about its services, and may not guarantee the removal of accurate negative information.

Federally Required Consumer Rights Disclosure

The following notice is provided as required by federal law and is a separate document provided before you sign any contract:

Consumer Credit File Rights

You have a right to dispute inaccurate information in your credit report, but you cannot have accurate, current, and verifiable information removed from your credit report. Under the Fair Credit Reporting Act, you have the right to obtain a copy of your consumer file and to dispute any inaccurate information. You may do this yourself, for free. A credit repair company cannot charge you in advance for services before they have been fully performed, and you have the right to cancel any contract within three business days without charge.

Disputing Information Yourself — For Free

You can dispute inaccurate information directly with the credit bureaus at no cost. You do not need to pay any company to dispute items you believe are inaccurate, incomplete, or unverifiable.

Acknowledgment of Disclosures

Before enrollment is activated, you will be asked to acknowledge in writing that you received and reviewed these disclosures. [ Placeholder — electronic acknowledgment mechanism pending legal review. ]

No Guarantees

We do not guarantee the deletion of any specific account, any increase in any credit score, or approval for any loan or financing. Individual experiences and results vary.

This document is provided as a draft for review and is not legal advice. Final terms are subject to legal review and may change before enrollment is activated. Last updated October 2026.