Your rights
Consumer Credit File Rights Under State and Federal Law
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.
(The notice above is the federal statutory text, 15 U.S.C. 1679c. Florida law also gives you 5 days to cancel; see below. Today you can also get free reports from all three bureaus at AnnualCreditReport.com.)
No upfront fees
Crezcamos Solutions LLC does not request or receive any payment before the services are fully performed (15 U.S.C. 1679b(b); Fla. Stat. 817.7005).
Florida Credit Service Organization notice
Crezcamos Solutions LLC operates as a credit service organization under Florida Statutes sections 817.7001–817.706. Florida law prohibits a credit service organization from charging or receiving any money before full and complete performance of the services it agreed to perform, unless it has obtained a surety bond of $10,000 and established a trust account. Crezcamos Solutions LLC does not have a surety bond or trust account at this time, so we never charge before the work is done. You also have 5 days to cancel under Florida law. See our Florida disclosures.
No guarantees
We do not guarantee any particular result, credit score increase or the removal of any specific item. Results vary. We will never advise you to make false statements or to create a new credit identity. Our money-back guarantee (see Services & pricing) is a refund promise, not a promise of results.
Right to cancel
You may cancel your contract without penalty or obligation within 3 business days (federal law) or 5 days (Florida law) after you sign it; we honor the longer period. How to cancel.