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Credit Repair Disclosure

What we can do, what we can't, and the rights you have under federal law.

Last updated: July 2026  ·  This page explains our services and your rights. It is not legal advice.

Who we are

CoreWave Credit is a credit repair organization as defined by the federal Credit Repair Organizations Act. We provide services intended to help you identify and challenge information on your consumer credit reports that appears inaccurate, incomplete, outdated, or unverifiable.

What our service is

We review your credit reports from the three major consumer reporting agencies, identify items that appear inaccurate or unverifiable, and prepare and submit disputes on your behalf. We follow up on the responses we receive, escalate where a response does not hold up, and report back to you in writing each month.

You have the legal right to do all of this yourself, directly with the credit bureaus, at no cost. You are paying us for expertise, organisation, and follow-through — not for access to a right you already hold.

What we do not and cannot do

  • We cannot remove accurate information. Accurate, current, and verifiable information stays on your credit report for the period allowed by law, regardless of who disputes it.
  • We do not guarantee results. We make no promise of any specific score increase, of the removal of any particular item, or of any particular timeline. The consumer reporting agencies — not us — decide the outcome of every dispute.
  • We do not create new credit identities. We will never advise you to obtain or use an EIN, CPN, or any other number in place of your Social Security number. Doing so is fraud, and any company that suggests it is putting you at legal risk.
  • We do not advise disputing accurate items. Filing knowingly false disputes is unlawful and we won't do it on your behalf.
  • We do not provide legal, tax, or financial advice. Nothing we or this website tells you is a substitute for advice from a licensed professional.

Fees

Our service is $75 per month for an individual and $125 per month for two people in the same household. There is no setup fee and no long-term contract. Billing is monthly, and you may cancel at any time without penalty. Full terms are set out in your client agreement and on our Terms of Service page.

Your rights under the Credit Repair Organizations Act

Before you sign a contract with any credit repair organization, federal law entitles you to receive a written statement of your rights, along with a written contract that you may cancel within three business days. The statement below is the disclosure required by the Credit Repair Organizations Act.

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 Organizations 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 unverified information, usually within 30 days unless your dispute is frivolous. Should the reinvestigation not resolve the dispute, the credit bureau must include a statement of up to one hundred words that you write concerning your version of the dispute. The credit bureau is not required to remove accurate derogatory information from your credit report unless it is outdated or cannot be verified.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information, contact the Federal Trade Commission, Washington, D.C. 20580, or visit ftc.gov.

Your right to cancel

You may cancel your contract with us, without any penalty or obligation, at any time before midnight of the third business day after the date on which you signed it. To cancel, notify us in writing at the address or email address given in your client agreement.

Separately from that three-day right, our service is month-to-month. You may end it at any time, for any reason, without penalty.

Free access to your credit reports

You are entitled to free copies of your consumer credit reports from each of the three nationwide credit bureaus. Request them at annualcreditreport.com — the only website federally authorised for this purpose. You can also contact the bureaus directly:

Illustrations on this website

The credit score figures, charts, and progress meters shown elsewhere on this site are design illustrations only. They are not client data, not typical results, and not a representation of what you should expect.

Questions or complaints

If you believe we've fallen short, tell us — contact us and we'll address it. You may also file a complaint with the Federal Trade Commission at reportfraud.ftc.gov, with the Consumer Financial Protection Bureau at consumerfinance.gov/complaint, or with your state attorney general.