Consumer rights
What the law entitles you to.
Summarised plainly. You also receive this as a separate written statement before any agreement.
Last updated: August 30, 2026
You can do this yourself
You have the right to dispute inaccurate information in your credit file yourself, directly with the credit bureaus, at no cost. You are also entitled to obtain your credit report. Hiring anyone to do it for you is a choice, not a requirement.
Nothing accurate can be removed
Accurate, current negative information cannot be removed from your credit file by any credit repair organisation, including this one. Only information that is inaccurate, incomplete, or unverifiable can be successfully disputed.
You get it in writing first
Before you sign anything, you receive a written contract stating the services to be performed, the total amount you will pay, and how long the work is expected to take. You receive this statement of rights as a separate document.
You have three business days to cancel
You may cancel your contract with SCII, without charge and without giving a reason, at any time before midnight of the third business day after you sign it. Your contract includes a cancellation form and the address to send it to.
What we are not allowed to do
- Advise you to misrepresent your credit history to anyone.
- Advise you to create a new identity or new credit file.
- Make untrue or misleading statements about what we can achieve.
- Perform work before you have signed a written contract.
SCII is bonded in Texas
SCII holds a $10,000 credit services organization bond in the State of Texas. It exists for your protection: if SCII fails to do what it agreed to do, there is money a client can make a claim against. It is not insurance, and it does not make any particular result more likely — the rest of this page still applies exactly as written.
If something goes wrong
You may sue a credit repair organisation that violates the Credit Repair Organizations Act. Complaints can be directed to the Federal Trade Commission at reportfraud.ftc.gov, the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, or your state attorney general.