CROA · Required consumer disclosures

Your rights as a credit repair consumer.

Plain-language disclosures. We post them because the law requires it, and because you should know what you are getting before you sign. The Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679) requires every credit repair organization to give consumers these disclosures before signing — read them, they protect you.

Before you sign: federal law gives you the right to cancel a credit repair agreement within three business days, for any reason, with no penalty. The notice below spells out exactly how and when to use that right. Read it first.

Cancel within three business days — for any reason, no questions asked.

Required disclosures before you sign

Companion statutory notices (FCRA and GLBA)

Next steps

Where to go from here.

Read the disclosures once and decide. If a question is still open, talk to us — a human reviewer answers within one business day. Want the price before reading further? See transparent monthly pricing. Wrote the disclosures and want the same answers in plain Q&A? The FAQ carries them. Ready to cancel a signed agreement? Use the written cancellation request.

Start your file See pricing Talk to us Read the FAQ

JavaScript is off. You can still read every CROA-required disclosure below, but the page is best viewed with JavaScript enabled so the snapshot and anchors work as designed.

Three-day right to cancel: you may cancel this agreement at any time before midnight on the third business day after the date you sign it. Cancellation is effective on the date we receive your written notice by email or postal mail. After cancellation we will refund any payment you have made within ten business days. You do not need to give a reason to cancel.

No upfront fees: services are billed monthly, in arrears. $0 upfront — billed after each month of service is delivered.

Total cost: one plan tier at $89.00 per month, billed monthly in arrears. No setup, per-letter, consultation, or hidden fees.

You may cancel at any time: written notice ends the relationship with no further billing. The three-day statutory window above is the strongest version of this right; after that window cancellation is still your right, in writing, any month.

Contact: email credloom-2@polsia.app or send written notice to our mailing address on this page. We answer intake questions within one business day.