Consumer Credit File Rights
Required Disclosure Under the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679
Effective Date: May 11, 2026
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 every 12 months from each of the three nationwide credit reporting agencies — Equifax, Experian, and TransUnion — at AnnualCreditReport.com.
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.
About AI Credit Team
AI Credit Team ("Company," "we," "us") is a software platform that provides self-help credit education tools, AI-assisted dispute letter drafting, credit report analysis, and dispute tracking. We are not a law firm and do not provide legal advice. We are not a credit repair organization as defined under CROA to the extent that our services are limited to providing consumers with educational information and self-help tools.
What AI Credit Team Will Do For You
- Analyze your uploaded credit reports using AI to identify negative items, collections, late payments, and inquiries
- Generate dispute letter drafts based on your credit report data for your review and use
- Track your open disputes and 30-day response deadlines
- Provide educational guidance on credit repair strategies
- For Done-For-You and VIP plan subscribers: print and mail dispute letters on your behalf via certified mail with tracking
What AI Credit Team Will NOT Do
- Guarantee removal of any accurate, verifiable information from your credit report
- Guarantee any specific credit score increase
- Provide legal representation or legal advice
- Advise you to make false statements to any credit bureau, creditor, or government agency
- Charge you before services are fully performed (Standard and DFY plans are billed monthly as services are rendered)
Total Cost of Services
All plans are billed monthly and can be cancelled at any time. No long-term contracts. Cancellation takes effect at the end of the current billing period.
Your Right to Cancel
You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date you signed it. See the attached notice of cancellation form for an explanation of this right.
To cancel, send written notice to:
You can also cancel at any time through your account Settings → Subscription → Cancel subscription.
No Guarantee of Results
AI Credit Team makes no guarantee, warranty, or representation that our services will improve your credit score, result in the removal of any item from your credit report, or result in the approval of any credit application. Credit bureaus and creditors make their own independent decisions. Results vary by individual credit history and the accuracy of disputed items.
Contact Us
If you have questions about this disclosure or your rights under CROA, contact us at support@aicreditteam.com.
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