Credit Stoppers believes consumers should understand their rights before purchasing credit-improvement services. This page summarizes important federal and Florida consumer protections, our service limitations, and practices Credit Stoppers will not use.
You have the right to contact consumer reporting agencies directly and dispute information you believe is inaccurate or incomplete. You do not have to hire Credit Stoppers or any other credit-repair company to exercise those rights.
Consumers can obtain official credit reports through AnnualCreditReport.com .
Credit Stoppers does not promise to remove accurate, complete, current, and verifiable negative information merely because that information is unfavorable.
Credit Stoppers may assist with reviewing or addressing information where there is a legitimate basis to question its accuracy, completeness, ownership, reporting, verification, duplication, age, or other compliance with applicable law.
No specific deletion, correction, score increase, or timeframe is guaranteed.
Credit Stoppers will not knowingly make, encourage, or assist a consumer in making a false or misleading statement to a consumer reporting agency, creditor, lender, debt collector, or other person concerning the consumer's creditworthiness, credit standing, credit capacity, identity, accounts, or payment history.
Consumers must provide truthful and accurate information when requesting assistance.
Credit Stoppers does not sell, recommend, or instruct consumers to use a "credit privacy number," "credit profile number," CPN, EIN, altered Social Security number, synthetic identity, or other substitute identifier to hide or replace a legitimate consumer credit history.
Credit Stoppers will not advise a consumer to create a new credit identity or misrepresent identifying information in a credit application or dispute.
Identity-theft reports, fraud affidavits, identity-theft blocking procedures, police reports, and similar remedies should be used only when the underlying facts are truthful and support an identity-theft or fraud claim.
Credit Stoppers will not advise a consumer to falsely claim identity theft for an account the consumer actually opened, used, authorized, or incurred.
Federal law, including the Credit Repair Organizations Act ("CROA"), provides important protections to consumers purchasing covered credit-repair services.
Under CROA, a consumer may cancel a covered credit-repair contract without penalty or obligation before midnight of the third business day after the contract is executed, subject to the statute's requirements.
A consumer waiver of rights protected by CROA is generally void, and contracts that fail to comply with applicable CROA requirements may be unenforceable.
Federal law restricts when a credit-repair organization may request or receive payment for covered credit-repair services. Credit Stoppers will structure charges for services subject to these laws in accordance with applicable payment restrictions.
Where the federal Telemarketing Sales Rule applies to the sale of credit-repair services, additional restrictions may delay when payment can lawfully be requested or received.
If a credit-repair service is sold through a transaction covered by the federal Telemarketing Sales Rule ("TSR"), Credit Stoppers will comply with applicable TSR disclosures, calling rules, recordkeeping requirements, and payment restrictions.
The TSR can impose stricter payment restrictions than general website or program terms, including requirements tied to the expiration of the represented service period and documentation of promised results through a later consumer report.
Florida law provides additional protections for buyers dealing with a covered "credit service organization." Those protections may apply in addition to federal law.
Florida law also requires certain covered credit service organizations to maintain required records and provide specific information concerning any applicable surety bond or trust account.
Where federal and state protections both apply, Credit Stoppers will provide the rights required by applicable law and will not require a consumer to waive non-waivable protections.
Cancellation rights depend on the law that applies to the transaction. Federal CROA provides a three-business-day cancellation right for covered contracts. Florida law provides a five-day cancellation right for covered Florida credit-services contracts.
Any formal Credit Stoppers agreement subject to these laws should provide the applicable cancellation language and Notice of Cancellation.
If multiple laws apply, Credit Stoppers will honor the cancellation rights required by applicable law.
Credit Stoppers does not guarantee:
Results vary based on the consumer's individual credit profile, the accuracy and documentation of the issues involved, third-party investigation results, ongoing financial activity, and decisions made by consumer reporting agencies, creditors, lenders, furnishers, collectors, and other third parties.
Credit Stoppers is not Experian, Equifax, TransUnion, Innovis, a creditor, lender, debt collector, or data furnisher. Credit Stoppers does not control how or when those third parties investigate, verify, update, delete, or retain information.
Credit reports and credit scores can change for many reasons, including new balances, payments, inquiries, newly reported accounts, creditor updates, collection activity, account aging, scoring-model differences, and other activity unrelated to Credit Stoppers.
A temporary change to a credit report does not necessarily mean an item has been permanently deleted or resolved.
Consumers may have multiple credit scores based on different credit bureaus, scoring models, versions, industries, and dates. A score viewed through a monitoring service may differ from a score used by a lender.
Credit Stoppers does not control third-party scoring models.
Certain Credit Stoppers programs may recommend or require access to a credit-monitoring product so the consumer and Credit Stoppers can review credit-report changes. Monitoring products are provided by third parties and may have separate subscription fees, trial periods, cancellation procedures, privacy policies, and terms.
Credit Stoppers may receive referral or affiliate compensation from certain monitoring providers. See our Affiliate Disclosure.
Consumers remain responsible for:
Credit Stoppers does not advise consumers to stop paying legitimate debts solely because they are participating in a credit-improvement program.
General information on the Credit Stoppers website and in educational materials is provided for informational purposes. Credit Stoppers is not a law firm and does not provide legal representation.
Consumers with legal questions, lawsuits, identity-theft disputes, debt-collection litigation, bankruptcy issues, statute-of-limitations questions, or other legal matters should consult a qualified attorney.
Credit-repair and credit-services laws vary by state. Consumers may have rights in addition to those summarized on this page, including state-specific contract language, cancellation periods, registration requirements, bonding rules, fee restrictions, disclosures, and remedies.
Any state-specific disclosure or agreement required by applicable law is separate from and controls over inconsistent general website language.
This page is not itself a credit-repair services contract. Before a covered service begins, consumers should receive and review all documents required by applicable law.
A service-specific written agreement, required consumer-rights disclosure, cancellation notice, and other legally required documents govern the actual covered service relationship.
Consumers are encouraged to review official government sources concerning credit reports, disputes, credit repair, and consumer rights.
Questions regarding these disclosures may be sent to:
Credit Stoppers
Email:
[email protected]
Website:
https://creditstoppers.com
These Credit Repair Disclosures should be read together with the Privacy Policy, Terms & Conditions, SMS Terms & Conditions, Affiliate Disclosure, and any service-specific contract, cancellation notice, authorization, or disclosure applicable to the consumer's selected service.