terms of



Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years. 

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud. 

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. 

You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. 

If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. 

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: 

The Public Reference Branch

Federal Trade Commission

Washington, D.C. 20580


Credit Score Doctor is a cloud-based credit repair software solution that provides consumers with the resources and tools to quickly and easily create Personalized Dispute Letters which are essential to credit repair process on their own. We also offer our customers the option to hire us to dispute the inaccuracies for them. We do not track or monitor or update any credit reporting information, all monitoring is required to be done by the customer. By opening a Credit Score Doctor account you agree to the Terms of Use and Privacy Policy and you will have access to the following features:

1. Input of accurate personal Information 

You are required to input all accurate personal information in your customer profile that is needed to correctly format your dispute letters. All dispute letters will display information from your customer profile along with the bureaus or creditor your choosing to dispute with.

2. Evaluate your Credit Reports and Scores

Credit Score Doctor does not track or update  your current credit reports from the  3 credit bureaus to identify potentially inaccurate, erroneous, false, or obsolete information which is negatively affecting your credit scores you must do so your self. 

3. Create Credit Bureau Dispute Letters

Credit Score Doctor’s software is designed to Quickly and easily create effective dispute letters for the dispute of potentially inaccurate, erroneous, false, or obsolete information for any accounts on your credit reports. The Credit Score Doctor’s platform enables you to create dispute letters for all types of accounts listed on your credit reports from all 3 credit bureaus which are ready to mail once downloaded and printed.

4. You track your Results

Credit Score Doctor does not automatically track  or update your credit reports and scores to do this you must monitor your own credit reports. Credit Score Doctor will remind via email every month to check for responses from the credit bureaus & to stay on top of response dispute letters. You must track the results of your disputes and credit repair progress for any and all of are services even when you have Credit Score Doctor dispute inaccuracies on your behalf.

5. Resources

Educational videos and articles provide expert advice and instructions on how to Dispute inaccuracies, improve, build and maintain great credit. 


Upon Sign up & you agree to our terms of service & in the case of hiring us to do all disputing of inaccuracies on your behalf you agree that all information you want us to dispute are In Fact accounts you believe are inaccuracies and are not misrepresenting or misleading Credit Score Doctor. If you have misled or intentionally misrepresented any of the dispute accounts we have the right to terminate your account and are not held liable for anything related to the disputed information.

Credit Score Doctor Fees

Visiting Credit Score Doctor’s website is free. In order to access any of our services you must sign up to our fee based reoccurring monthly membership service. To avoid being charged any future membership fees you can login to your Credit Score Doctor account and cancel your subscription online at any time.


Once you create a Credit Score Doctor account you can login to your account by accessing this website at anytime. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating dispute letters, or for the resources that we will continue to add to the Credit Score Doctor site.

Credit Score Doctor does not guarantee the out come of any dispute & Results are not guaranteed 

Do you want our team to handle it all?  Contact us today!