Your federal rights — the plain-English version
Before you sign a contract with any credit repair company, federal law (the Credit Repair Organizations Act) requires the company to give you a Consumer Credit File Rights statement as a separate document, for your signature. Here is what it says, in plain English — read it here for free, and expect to sign the formal statement before any enrollment with us:
- You have the right to dispute inaccurate information in your credit report yourself, free of charge, by contacting the credit bureaus directly. No company is required, and no company can do anything you cannot do yourself.
- Neither you nor any credit repair company has the right to have accurate, current and verifiable information removed from your report. Information stays for the periods federal law sets (generally seven years for most negative items; up to ten for bankruptcy).
- You have the right to a written contract stating the services, the payment terms and the total of all payments, before any service begins.
- You have the right to cancel your contract within three business days of signing, for any reason, without penalty — and you must receive two copies of the cancellation form.
- A credit repair company may not charge you before the work it charges for has been fully performed. New York law (General Business Law Article 28-BB) independently prohibits advance fees.
- A company may not make false or misleading statements — to you, or to a bureau or creditor on your behalf — and may not advise you to make a false statement about your identity or history. Creating a "new credit identity" with a different number is a federal crime, whoever suggests it.
- You may sue a credit repair organisation that violates the Act, and you may report one to the Consumer Financial Protection Bureau and your state attorney general.
The FTC's consumer guidance is worth ten minutes: consumer.ftc.gov — Credit Repair Scams. New Yorkers: our services are also governed by Article 28-BB of the General Business Law.
If you suspect identity theft — stop here
Do not enroll in any paid plan, ours included, as your first move. The federal recovery path is free and it is stronger than anything a company can sell you:
- Go to IdentityTheft.gov and build your free FTC recovery plan.
- Place a fraud alert or a credit freeze with the bureaus — freezes are free and are the strongest step most victims can take.
- Dispute the fraudulent items with the FTC plan's letters in hand.
When the free federal steps are done, if you want help organising what remains, that is a conversation we are glad to have.
How enrollment works here — the legal sequence, in order
- Free analysis — no contract, no payment instrument, no Social Security number, no monitoring password collected.
- Rights statement delivered as its own document and signed separately from any contract.
- Written contract with the services, the total of all payments, our name and street address, and the bold cancellation notice beside the signature line, plus two copies of the Notice of Cancellation.
- Three-business-day window — no service performed, no payment taken, until it has run.
- First charge only after performed, documented work; monthly billing in arrears thereafter; engagements capped at 12 monthly billings; any no-work month is not billed.
Availability is state by state (§ availability on the home page): your state of residence controls, un-cleared states are waitlisted, and Georgia is excluded by law.
The honest fine print — up front
You can dispute credit report errors yourself, for free, without paying any company — the federal AnnualCreditReport.com site and the Consumer Financial Protection Bureau explain how. No credit repair company, including Fiscally Fit, can remove accurate, current, verifiable information from a credit report, and no one can legally promise you a specific credit score, a deletion, or a date by which your credit will change. We sell the work, the organisation and the follow-through of disputing information you believe is inaccurate, incomplete or unverifiable — never an outcome. Fiscally Fit is a credit services organisation, not a law firm, tax advisor, mortgage lender or debt settlement company, and nothing on this site is legal, tax or investment advice.