Updated: 2026-10-20
You can do it yourself
Hiring assistance is optional. You can review reports, dispute errors directly and perform the offered tasks yourself. Bureaus do not charge to investigate disputes. Private fees cover contracted work and assistance; they do not buy a score, deletion or approval.
Free SAM.gov and EIN
You can apply directly to the IRS for an EIN and manage SAM.gov registration or renewal without an official fee. Rivera quotes its private assistance. You may also consult free resources such as APEX for government contracting.
Before contracting personal credit repair
Applicable contracts, disclosures and rights must be provided, including the federal right to cancel within three business days. CROA’s required rights statement must be delivered before contracting as a separate document, with acknowledgement of receipt. This page does not replace those documents or authorize prohibited advance fees.
Quotes, cancellations and refunds
Request scope and billing, cancellation and refund terms applicable to the specific service before contracting. Credit services have particular rules. Nonwaivable rights and applicable obligations are respected; using this website does not create a general liability waiver.