Before we begin, federal law requires us to give you this disclosure and get your written authorization. Please read carefully and sign below.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The credit bureau must investigate your dispute, free of charge, and correct or delete inaccurate information.
You have a right to cancel this contract without penalty or obligation within 3 business days from the date you sign it. You can cancel by visiting your personal cancellation link (emailed to you after payment) or by calling us directly.
We cannot promise to remove accurate, current, negative information from your credit report. No one can legally make that promise. Credit bureaus are only required to delete information that is inaccurate, outdated, or unverifiable.
You may also, at any time, dispute negative information directly with the credit bureau at no charge. Federal law gives you the right to obtain your credit report once a year free of charge from each major credit bureau.
Scope of Services. Cross Country Credit Repair LLC will review your credit reports, identify potentially inaccurate, incomplete, outdated, or unverifiable items, and prepare dispute letters on your behalf to Equifax, Experian, and TransUnion.
No Guarantee of Results. Results vary by client. We make no guarantee or representation that any specific negative items will be removed. We do not dispute accurate, verifiable information.
Your Cooperation. You agree to provide accurate personal information, current credit bureau login credentials, and any supporting documents we request. Providing false information voids this agreement.
Data Security. Your personal data (SSN, date of birth, bureau credentials) is encrypted using AES-256-GCM and stored only for the duration necessary to perform services. All data is permanently deleted within 45 days of case closure.
FCRA Authorization. By signing below, you grant Cross Country Credit Repair LLC permissible purpose under 15 U.S.C. § 1681b to access and review your consumer credit file for the purpose of providing credit repair consulting services.
Governing Law. This agreement is governed by federal law (CROA, FCRA) and the laws of the state in which services are delivered.