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Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

Consumer Credit Protection Act: Congress passed these laws to protect you — the FCRA, FDCPA, CROA, ECOA and TILA are all part of it.
FCRA § 611: You have the right to dispute inaccurate or incomplete information, and the credit bureau generally must investigate within 30 days — free of charge.
FCRA § 605: Most negative information must come off your report after 7 years. Most bankruptcies: 10 years.
FCRA § 605B: Identity theft victims can have fraudulent accounts blocked from their credit reports.
FCRA § 612: You are entitled to free copies of your credit reports at AnnualCreditReport.com.
FCRA § 615: If you are denied credit because of your report, you must be told and told which bureau was used.
FDCPA § 809: Dispute a debt in writing within 30 days and the collector must stop collecting until it verifies the debt.
FDCPA § 805: You can tell a debt collector in writing to stop contacting you.
FDCPA § 806–807: Debt collectors may not harass you, threaten you or lie to you.
CROA § 404: No credit repair company may charge you before its services are fully performed.
CROA § 407: You have 3 business days to cancel a credit repair contract without penalty.
ECOA: Creditors may not discriminate against you for race, color, religion, national origin, sex, marital status, age, or receiving public assistance.
TILA: Lenders must clearly disclose the true cost of credit — including the APR — before you sign.
SCRA: Active-duty servicemembers can cap interest at 6% on many debts taken on before service.

How it works

How It Works: Step by Step to Better Credit

We make the process simple, transparent, and effective. Follow our proven system to transform your credit with confidence.

Create Your Account Credit Monitoring Sign-Up

Create your account
Sign up in our secure client portal with your email — or with Google, Apple, Yahoo or Microsoft. Every account is protected with two-step verification.
Upload your documents
Upload a valid photo ID (a driver’s license is preferred) and a recent utility bill, lease or bank statement showing your current address. The address should match across your documents.
Sign your agreement & CROA disclosures
Before you sign anything, you receive the “Consumer Credit File Rights Under State and Federal Law” disclosure the Credit Repair Organizations Act requires. You then sign your service agreement, privacy disclosure and notice of cancellation. You may cancel within 3 business days without penalty.
Set up credit monitoring
Enroll with SmartCredit (or IdentityIQ) so we can access your three-bureau reports — and so you can watch your progress too. The monitoring fee is paid directly to the monitoring company.
Create your CFPB account
Open your own account at portal.consumerfinance.gov, so complaints can be filed and followed when a bureau or furnisher doesn’t do its job.

“You don’t have to figure this out alone — we’ll guide you through every step.”

Watch how signing up works

Seven short videos walk you through every real screen, from your free assessment to your first update. They show a made-up example person, Jane Doe; use your own information. Prefer pictures? See How to Sign Up, step by step.

What happens after you sign up

After we receive all required information, we access your credit reports, analyze them and identify items that may be inaccurate, incomplete or unverifiable, draft your initial dispute letters, and send disputes to the relevant agencies — with monthly tracking and updates in your portal. Your monthly payment is charged only after your disputes are prepared and sent for that month.

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Create your account and take the first step toward better credit.

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Know where to go — the credit bureaus and the agencies that protect you

Links go to each organization’s official website. Kaironeek Financial is not affiliated with or endorsed by any of them.