Disclosures

Funding & credit repair

Funding is not guaranteed. All funding is subject to eligibility, underwriting, and approval by third-party lenders.

Rates, terms, and amounts vary by lender and by your individual profile.

Results from credit repair services vary. We do not guarantee any specific credit score increase or the removal of accurate information.

Credit repair services comply with the Credit Repair Organizations Act: no fees are charged before services are fully performed, services are provided under a written contract, and you may cancel within 3 business days without charge.

ACH Funded is not a lender. We connect you with lenders and funding partners.

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 up to 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.

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. The Federal Trade Commission regulates credit bureaus and credit repair organizations.

Equal opportunity

Equal Housing Opportunity. We support the Equal Credit Opportunity Act, which prohibits creditors from discriminating against credit applicants on the basis of race, color, religion, national origin, sex, marital status, age (provided the applicant has the capacity to contract), because all or part of the applicant's income derives from any public assistance program, or because the applicant has in good faith exercised any right under the Consumer Credit Protection Act.