CROA · Required consumer disclosures

Your rights as a credit repair consumer.

The Credit Repair Organizations Act (CROA, 15 U.S.C. § 1679) requires us to give you these disclosures before you sign anything. 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.

CROA · 3-Day right to cancel

You may cancel this agreement within three business days.

You have the right to cancel this agreement at any time before midnight on the third business day after the date you sign it. The deadline is calculated in UTC and is shown on the success page after you submit.

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.

Until the cancellation deadline passes, no payment is owed. After the deadline, the monthly subscription begins on a billing-in-arrears basis, which means you are billed after each month of service rather than before.

To cancel, email us at the contact address listed in the footer or send a written notice to our mailing address. Keep a copy for your records — your written cancellation notice is the audit trail that ends the relationship.

To exercise this right, email credloom-2@polsia.app with subject “Cancellation” or send written notice to our mailing address. We will refund any payment within ten business days and keep a copy of your notice on your case file.

Required disclosures: the items below are required by CROA § 5(a). They describe what we will and won't do, how billing works, how long we keep your records, and your consumer rights under federal law. They appear word-for-word in the intake agreement you'll be asked to sign.

CROA disclosures

Required disclosures before you sign

Disclosure version credloom-intake-disclosure-v1-2026-08

Credit repair services are billed monthly, in arrears. You are not required to pay anything before services begin, and you are not required to pay the first month until after that month has been delivered.
You have a written right to cancel the agreement at any time. Your cancellation deadline is three business days from the date you sign this intake. Details are shown in the Three-Day Cancellation Notice section above.
Before you sign: We will provide you with a written, itemized description of the services we will perform, the time required to complete them, the total cost to you, and any money-back guarantee that applies. Do not sign until you have received those items and read them.
Truth and accuracy: Information you provide about your credit history, identity, and the disputes you wish to pursue must be true and complete. Submitting inaccurate information to a credit bureau is unlawful under federal law (15 U.S.C. § 1681q).
Dispute framework: Letters we generate on your behalf will cite the Fair Credit Reporting Act, 15 U.S.C. § 1681i. Credit bureaus have a statutory 30-day window within which they must investigate and respond. We will send you every bureau response and keep it in your case file.
What we will not do: We will not — and consent to this intake does not authorize us to — advise you not to contact a creditor, misrepresent your identity to a bureau, or submit disputes you have asked us not to submit. We will not divert or hide your bills or payments.
Case-file retention: Your intake, signed disclosures, dispute letter file, bureau response log, cancellation notices, and refund records are retained for a minimum of five years.
No guarantee: We do not guarantee a particular credit score outcome, a particular result on a particular account, or a particular timeline. We commit to running a diligent, compliant dispute process and tell you the truth about what we observe.
Contact: Questions, complaints, and cancellation notices should be directed to the email address listed in the footer of this site.

Ready to start? The intake walks you through these disclosures again, and you'll sign them electronically before anything is submitted. No card is needed to begin.

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