DisputeWave

Credit Repair Organizations Act (CROA) Disclosure

Last updated: March 2, 2026

Important Notice: Your Rights Under Federal Law

The Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.) is a federal law that protects consumers using credit repair services. This disclosure outlines your rights and our obligations under this law.

Your Consumer Rights

1. Right to Dispute Directly with Credit Bureaus (Free)

You have the right to dispute inaccurate information in your credit report directly with the credit reporting agencies at no cost. Under the Fair Credit Reporting Act (FCRA), you may contact the three major credit bureaus yourself:

You may also obtain a free copy of your credit report from all three bureaus once every 12 months by visiting www.annualcreditreport.com or calling 1-877-322-8228.

2. No Guarantees on Accurate Information

No credit repair organization can guarantee the removal of accurate negative information from your credit report. Under federal law, credit bureaus are permitted to report accurate information for specific time periods:

  • Most negative information: 7 years from the date of first delinquency
  • Bankruptcies: 7-10 years (depending on chapter)
  • Tax liens: 7 years from the date paid
  • Positive information: indefinitely

DisputeWave can only assist you in disputing items that are inaccurate, unverifiable, outdated, or improperly reported according to the Fair Credit Reporting Act. We cannot and will not remove accurate, verifiable information.

3. Three-Day Cancellation Right

You have the right to cancel this contract within 3 business days for a full refund, no questions asked. The 3-day period begins when you sign the contract or make your first payment, whichever is later.

To cancel, you may:

  • Email us at cancel@disputewave.com
  • Call us at 1-800-XXX-XXXX
  • Send written notice to: DisputeWave, [Address], [City, State ZIP]

No penalties or fees will apply if you cancel within the 3-business-day window.

What DisputeWave Does

DisputeWave is a credit repair organization as defined by the CROA. Our services include:

  • Analyzing your credit reports from all three major bureaus (Equifax, Experian, TransUnion)
  • Identifying inaccurate, unverifiable, outdated, or improperly reported items
  • Preparing and submitting dispute letters to credit bureaus and creditors on your behalf
  • Tracking dispute responses and escalating unresolved items
  • Providing education on credit rebuilding strategies
  • Offering ongoing support and guidance throughout the process

We do NOT:

  • Make false or misleading claims about our ability to improve your credit
  • Advise you to make false statements to credit bureaus or creditors
  • Charge fees before services are fully performed (pay-as-you-go model)
  • Guarantee specific credit score increases or removal of accurate information

Pricing & Service Terms

Service Fee Structure

  • Credit Report Pull: $4.99 one-time
  • First Wave: FREE (includes specialist assignment + first dispute round)
  • Monthly Service (after free wave): $29.00/month (cancel anytime)

Performance Guarantee

If we do not successfully remove at least one negative item from your credit report within 90 days, you will receive a full refund of all monthly service fees paid (excluding the initial $4.99 credit report fee). This guarantee does not apply if:

  • You fail to provide requested information or documentation
  • Your credit report contains no disputable items
  • You cancel service before the 90-day period

Cancellation Policy

You may cancel your monthly service at any time with no penalties or fees. Simply:

Cancellations take effect immediately, and you will not be charged for subsequent months.

Expected Timeline

Under the Fair Credit Reporting Act, credit bureaus must investigate disputes within 30 days (45 days if additional information is provided). Our typical timeline:

  • Day 1: Credit reports pulled and assigned to specialist
  • Days 1-3: Specialist reviews reports and identifies disputable items
  • Days 3-5: First round of disputes sent to bureaus
  • Days 30-45: Bureaus respond to disputes
  • Days 45+: Follow-up disputes sent as needed (if you remain subscribed)

Important: Results vary by individual. Some clients see removals in the first round; others require multiple rounds of escalation.

Legal Compliance

DisputeWave is fully compliant with:

  • Credit Repair Organizations Act (CROA): 15 U.S.C. § 1679 et seq.
  • Fair Credit Reporting Act (FCRA): 15 U.S.C. § 1681 et seq.
  • State-specific credit services laws where applicable

We are registered and bonded in all states where required.

Questions or Concerns?

If you have any questions about your rights under the CROA, our services, or this disclosure, please contact us:

For more information about the Credit Repair Organizations Act, visit the Federal Trade Commission at www.ftc.gov/credit.

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