CROA Disclosure

The Credit Repair Organizations Act (CROA) is a federal law that gives you important rights when working with any credit repair organization. Your Credit Legacy is committed to full compliance with CROA. This disclosure summarizes your key rights.

Your Rights Under CROA

• You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee, or receive it free under certain circumstances.
• You have a right to dispute inaccurate information yourself, at no cost, by contacting the credit bureau directly.
• You have a right to sue a credit repair organization that violates the CROA.
• 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.

What Credit Repair Organizations Cannot Do

Under CROA, a credit repair organization may not:

• Make untrue or misleading statements about your creditworthiness to any credit bureau or person.
• Advise you to make untrue or misleading statements.
• Charge or receive any money for credit repair services before those services are fully performed.

Your Written Contract

Before we provide any services, you will receive a written contract that sets out:

• The payment terms, including the total cost of all services.
• A detailed description of the services to be performed.
• How long it will take to achieve the results.
• Any guarantees offered.
• Our name and business address.

Right to Cancel

You may cancel your contract, without penalty or obligation, at any time before midnight of the 3rd business day after the date on which you signed the contract. A Notice of Cancellation form will be provided with your contract.

Filing Complaints

Credit bureaus and credit repair organizations are subject to federal oversight. You may report violations to:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• Federal Trade Commission (FTC): reportfraud.ftc.gov
• Texas Office of the Attorney General: texasattorneygeneral.gov