Last Updated: March 31, 2026
This disclosure is provided in accordance with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) and applicable federal and state consumer protection laws.
Your Right to Dispute Information
You have the right to dispute any inaccurate, incomplete, or unverifiable information appearing in your credit report by contacting the credit reporting agencies directly.
You are not required to purchase any service from any company, including Credit Repair Dudes LLC, to exercise this right.
⚠️ Important:
Neither you nor any credit repair company has the right to remove information that is:
- Accurate
- Current
- Verifiable
Credit reporting agencies are only required to remove information that cannot be verified or is incorrect.
Duration of Information on Your Credit Report
Under federal law:
- Most negative information may remain on your credit report for up to seven (7) years
- Bankruptcy information may remain for up to ten (10) years
Obtaining Your Credit Report
You have the right to obtain a copy of your credit report from each of the major credit reporting agencies.
You may be required to pay a fee; however, you are entitled to a free copy if:
- You have been denied credit, employment, insurance, or housing within the past 60 days
- You are unemployed and intend to apply for employment within 60 days
- You are receiving public assistance
- You believe your credit report contains inaccurate information due to fraud or identity theft
You may request your credit report from:
- Experian – www.experian.com | 1-888-397-3742
- Equifax – www.equifax.com | 1-800-685-1111
- TransUnion – www.transunion.com | 1-800-916-8800
Your Right to Dispute and Reinvestigation Process
If you believe information on your credit report is inaccurate or incomplete:
- Submit a dispute directly to the credit reporting agency
- The agency must investigate your claim (typically within 30 days)
- Any information found to be inaccurate, incomplete, or unverifiable must be corrected or removed
You cannot be charged a fee for this process.
If the dispute is not resolved to your satisfaction, you have the right to:
- Submit a written statement explaining your position
- Have that statement included in future credit reports
Your Right to Cancel
You have the right to cancel your agreement with a credit repair organization without penalty or obligation at any time before midnight of the third (3rd) business day after signing the contract.
To cancel, you must submit written notice as outlined in your agreement.
No Special Authority
You should be aware that:
- You have the same rights to dispute information as any credit repair organization
- No company has special access or authority beyond what is available to you under the law
Credit Repair Dudes LLC provides assistance, guidance, and administrative support for convenience only.
Credit Bureau Responsibilities
Credit reporting agencies are required by the Fair Credit Reporting Act (FCRA) to:
- Maintain reasonable procedures to ensure maximum possible accuracy
- Investigate disputes within required timeframes
- Correct or remove inaccurate, incomplete, or unverifiable information
Right to Take Legal Action
You have the right to take legal action against any company that violates the Credit Repair Organizations Act (CROA) or engages in deceptive or unlawful practices.
Federal Oversight
The credit reporting industry and credit repair organizations are regulated by:
Federal Trade Commission (FTC)
Website: www.ftc.gov
Company Information
Credit Repair Dudes LLC
65 White Star Dr
Palm Coast, FL 32164
Email: info@creditrepairdudes.com
Website: www.creditrepairdudes.com
Phone: (714) 927-5493