Consumer Credit File Rights

Your Rights Under Federal Law

You have the right under the Fair Credit Reporting Act (FCRA) to:

• Obtain and review a copy of your credit report from each of the three major credit bureaus (Equifax, Experian, TransUnion) for free once every 12 months at www.annualcreditreport.com
• Dispute incomplete or inaccurate information in your credit report directly with the credit bureaus at no cost
• Have credit bureaus investigate your disputes within 30 days
• Add a consumer statement to your credit report if a dispute is not resolved in your favor
• Have negative information removed from your credit report after the legal time limits (generally 7 years for most items, 10 years for bankruptcies)

Credit Repair Services

If you choose to use Credit Rise AI to assist with this process, you have additional rights under the Credit Repair Organizations Act (CROA):

• We cannot charge you until we have completed the services we promised
• You have the right to cancel your contract within 3 business days without penalty
• We cannot make false claims about our services or promise specific results
• We cannot advise you to make false statements to credit bureaus or creditors
• We cannot advise you to alter your identification to prevent display of your credit record

Right to Cancel

To cancel, you may:

• Email us at: cancel@creditriseai.cloud
• Call us at: +1 (520) 808-5969
• Write to: Credit Rise AI LLC, 316 Wayland Rd, Culpeper, VA 22701

Important Disclaimers

• 1.Individual results vary. There is no guarantee that your credit score will improve by any specific amount.
• 2.No one can legally remove accurate and timely negative information from your credit report.
• 3.Credit Rise AI is not a law firm and does not provide legal advice. For legal advice, consult a licensed attorney.
• 4.Credit Rise AI is not a financial advisor. For financial advice, consult a licensed financial professional.

Additional Resources