Your Consumer Rights

Know your rights under federal and state law

Credit Repair Organizations Act (CROA)

Under the Credit Repair Organizations Act (15 U.S.C. §1679), you have the following rights:

Your Rights Under CROA

You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly at no cost.
You have the right to obtain a copy of your credit report from each of the three major credit bureaus once every 12 months at no charge.
No credit repair organization can require you to pay before services are fully performed.
You have the right to cancel a contract with a credit repair organization within three business days from the date you signed it.
Credit repair organizations cannot make false or misleading claims about their services or your rights.

Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (15 U.S.C. §1681) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Under the FCRA:

You have the right to know what is in your credit file
You have the right to dispute incomplete or inaccurate information
Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information within 30 days
You can limit “prescreened” offers of credit
You have the right to seek damages from violators

California Credit Services Act

As a California-based company, Pioneer Credit Solution complies with the California Credit Services Act (Cal. Civ. Code §1789.10 et seq.), which provides additional protections including:

A written contract must be provided before services begin
A “Notice of Cancellation” form must be provided
Specific disclosures about your rights

How to Dispute Credit Information Yourself

You can dispute inaccurate information on your credit report directly with the credit bureaus at no cost:

Equifax: equifax.com/personal/credit-report-services/credit-dispute
Experian: experian.com/disputes
TransUnion: transunion.com/credit-disputes

Our Commitment

Pioneer Credit Solution is committed to full transparency and compliance with all federal and state regulations governing credit repair organizations. We will never:

Charge fees before services are performed
Make false claims about what we can achieve
Advise you to create a new identity
Misrepresent your rights or our services

Have questions about your rights? We're here to help.