100% CROA Compliant

Credit Repair Organizations Act (CROA) Compliance

Understanding Your Rights and Our Commitment to Legal Compliance

What is CROA?

The Credit Repair Organizations Act (CROA), codified as 15 U.S.C. § 1679, is a federal law designed to protect consumers from unfair or deceptive practices by credit education companies. This law establishes clear guidelines that all credit education organizations must follow.

Your Consumer Rights Under CROA

As a consumer, you have the following rights under the Fair Credit Reporting Act and CROA:

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly.
There is no charge for disputing inaccurate or incomplete information on your credit report.
You have a right to obtain a copy of your credit report from a credit bureau.
You may receive a free copy of your credit report annually from each of the three major bureaus (Equifax, Experian, TransUnion).
You have a right to dispute inaccurate items on your credit report directly with the creditor.
You have the right to cancel any contract with a credit education organization for any reason within three business days.

Important Disclosure

No one can legally remove accurate and timely negative information from a credit report. Credit education companies cannot promise to do something that cannot legally be done.

Our CROA Compliance Commitment

Credit1Solutions.com is 100% compliant with all CROA requirements. We commit to:

No Upfront Fees

We never charge fees before services are fully performed

3-Day Cancellation

You may cancel within 3 business days without penalty

Written Contract

All terms are provided in a written contract before services begin

Clear Disclosures

We provide all required disclosures as mandated by federal law

No False Claims

We never make misleading claims about our services or results

Transparent Pricing

All fees are clearly disclosed before you enroll

How to Report Violations

If you believe a credit education organization has violated CROA, you may file a complaint with:

Federal Trade Commission (FTC) at ftc.gov/complaint
Consumer Financial Protection Bureau (CFPB) at consumerfinance.gov/complaint
Your state Attorney General's office

Contact Us

If you have questions about our CROA compliance or your rights, please contact us:

Credit1Solutions.com · Phone: 1-877-782-7839 · Email: cs@credit1solutions.com · Address: 5284 N Dixie Hwy, Elizabethtown, KY 42701

Related Guides

Your Legal Rights

Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:

Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.

You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).

Why Trust Credit1Solutions

Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
BBB A+ Accredited since 2015
Founded in 2006 — 19+ years of experience
Over 30,000 families helped nationwide
FICO-certified credit education specialists
Full compliance with FCRA, FDCPA, and CROA

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026