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
Today, you can also learn more or file a complaint online with the Federal Trade Commission at ftc.gov and the Consumer Financial Protection Bureau at consumerfinance.gov. Free credit reports are available at AnnualCreditReport.com.
Notice of Cancellation
Every JNRS LLC Services Agreement includes two copies of this notice. You may use it, or any other written notice, to cancel.
You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd business day which begins after the date the contract is signed by you.
To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to JNRS LLC at the mailing address stated in your contract before midnight on the date stated in your contract.
I hereby cancel this transaction,
For your convenience, you may also email a signed cancellation to admin@jnrscreditrepair.store. If you cancel within this period, you owe nothing.
Fees and contracts
- Your first consultation is free and carries no obligation.
- JNRS LLC does not charge or accept payment for credit repair services until those services have been fully performed.
- Before any work begins, you'll receive a written Services Agreement stating the services to be performed, the total cost, the estimated time to perform them, and any guarantees of performance (we do not guarantee results).
- You will receive a signed copy of your agreement and all required disclosures.
No guarantee of results
JNRS LLC does not guarantee any increase in your credit score, the removal of any item from your credit report, approval for credit, specific interest rates, or any timeline. Accurate, current, and verifiable negative information generally cannot be removed. Individual results vary. Any examples or general timeframes on our Site are illustrations only.
You can do this yourself for free
Everything a credit repair company can do for you, you can do on your own at no cost. You may dispute errors directly with Equifax, Experian, and TransUnion, and directly with the company that furnished the information. Our services are optional.
Debt consolidation disclosure
JNRS LLC provides general guidance to help you organize your debts and compare consolidation options. We are not a lender or loan broker, and we do not make loans, guarantee approval, negotiate debt settlements, or receive or hold funds to pay your creditors. Consolidation options such as loans, balance transfers, and debt management plans each have costs and risks. Some may involve fees, higher total interest over time, or temporary effects on your credit score. Review all terms with the provider before you agree to anything.
Arizona residents
JNRS LLC is based in Phoenix, Arizona. In addition to federal law, Arizona law regulating credit services organizations (Arizona Revised Statutes, Title 6, Chapter 14) gives Arizona consumers additional protections. You may contact the Arizona Attorney General's Office at azag.gov with questions or complaints. Residents of other states may have additional rights under their state's laws.
Not legal, tax, or financial advice
JNRS LLC is not a law firm and is not a licensed attorney, accountant, or investment advisor. Information on our Site, in our chat, and in our coaching is general and educational. For legal questions, including bankruptcy, please consult a licensed attorney. For tax questions, consult a qualified tax professional.
AI chat disclosure
The "Rosie" chat on our Site is an automated artificial-intelligence assistant, not a human. Its answers may be incomplete or inaccurate and are not professional advice. Never share Social Security numbers, account numbers, or passwords in the chat. Ask the chat to "leave a message for Justin" to reach a person. See our Privacy Policy for how chat messages are handled.
Images and statements
Some photographs on our Site are illustrative stock or AI-generated images and do not depict actual clients, staff, or results. Quotes attributed to Justin Reding reflect his personal approach and are not promises of any outcome.
Trademarks and affiliation
FICO® is a registered trademark of Fair Isaac Corporation. Equifax®, Experian®, and TransUnion® are trademarks of their respective owners. JNRS LLC is an independent company and is not affiliated with, endorsed by, or sponsored by any credit bureau, FICO, the FTC, the CFPB, or any government agency.
Accessibility
We want everyone to be able to use our Site. If you have trouble accessing any content, call or text (623) 268-4379 or email us and we'll provide the information another way.
Questions or complaints
We'd like the chance to make things right. Please contact us first:
JNRS LLC
Attn: Justin Reding
Phoenix, AZ
Phone / text: (623) 268-4379
Email: admin@jnrscreditrepair.store
You may also contact the Federal Trade Commission (reportfraud.ftc.gov), the Consumer Financial Protection Bureau (consumerfinance.gov/complaint), or your state Attorney General.