Last updated: November 10, 2026
Your Rights Under the Credit Repair Organizations Act (CROA)
Federal law (the Credit Repair Organizations Act, 15 U.S.C. §§ 1679–1679j) protects you when you work with any credit repair organization, including Prime Credit Advisors:
- You have the right to dispute inaccurate information in your credit report yourself, directly with the credit bureaus, free of charge. Neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report.
- Before you sign a contract with us, we will give you the full written statement of your consumer credit file rights under state and federal law that CROA requires.
- Any contract for our services will be in writing and will state the services to be performed, the dates by which they will be performed, the total cost, and our name and address.
- You may cancel your contract with us, without penalty or obligation, within three business days of signing it.
- We may not charge or receive any money from you before the services we agreed to perform have been fully performed.
- We cannot make false or misleading statements — to you, to a credit bureau, or to a creditor — and we cannot ask you to make any untrue statement about your credit.
- No one can create a new credit identity for you, and it is illegal to misrepresent your Social Security number to obtain credit. We do not offer “credit privacy numbers” (CPNs) or new identities.
- You have the right to sue a credit repair organization that violates CROA, and you may file complaints with the Federal Trade Commission and the Illinois Attorney General.
No Guarantee of Results
Credit repair results vary by individual. We do not and cannot guarantee that any specific item will be removed from your credit report, that your credit score will increase by any amount, or that results will occur within any specific timeframe. Any timelines we discuss are estimates based on the dispute process, not promises.
Telemarketing Disclosure (Telemarketing Sales Rule)
Our marketing and client calls are made in compliance with the federal Telemarketing Sales Rule (16 CFR Part 310) and the Telephone Consumer Protection Act:
- We honor the National Do Not Call Registry. If your number is registered and we call you in error, tell us and we will add you to our internal do-not-call list; you can also join our internal list at any time by calling 708-761-4844 or emailing info@primecreditadvisors.com. We honor internal do-not-call requests promptly and indefinitely. You may request a copy of our Do-Not-Call Policy at any time using the same contact information.
- Our callers identify themselves and Prime Credit Advisors at the start of a sales call, and we transmit our caller ID information accurately.
- We place marketing calls and send text messages only during the hours permitted in your local time zone (generally 8:00 a.m. to 9:00 p.m. local time, and never outside any stricter limit your state’s law sets).
- Calls may be monitored or recorded for quality and training purposes, as described in our Privacy Policy.
- Under the Credit Repair Organizations Act, we do not request or receive payment for credit repair services before those services have been fully performed.
Service Providers Mentioned on This Website
“Check your Credit!” and credit monitoring enrollment links on this Website lead to third-party monitoring services (currently SmartCredit). If you enroll, you are entering an agreement with that provider under its own terms and privacy policy. Prime Credit Advisors may receive compensation for referrals, which never changes the price you pay.
Educational Content
Articles, videos, and posts on this Website and our social channels are educational only and are not financial, legal, or tax advice for your specific situation.