Credit Disclosures
This page sets out your rights before you sign anything with us. You are entitled to receive this information, and you are entitled to a separate written copy of your right to cancel when you sign.
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 Organizations 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 unverified information, usually within 30 days, unless your dispute is frivolous. The credit bureau must send you a written report of the investigation and a copy of your report if the investigation results in any change.
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 keep in your file, explaining why you think the record is inaccurate. The credit bureau must include your statement about disputed information in any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.
What this means in practice
- You can do this yourself, for free. We are selling you the time, the process and the follow through, not access to a secret.
- We will not promise you a number or a date, and you should be suspicious of anyone who does.
- We will not dispute something we know is accurate.
- We do not charge for credit services before performing them.
About funding
RocketFunds.ai is not a lender or a bank. Funding is offered through third party lenders. Approval, amounts, rates and timelines are set by those lenders and vary by applicant. Nothing on this site is a commitment to lend.
About the logos on our website
Credit bureau and lender names and logos shown anywhere on this site are used for identification only. RocketFunds.ai is not affiliated with, endorsed by, or sponsored by any of them.