{"id":46024,"date":"2013-10-08T21:56:49","date_gmt":"2013-10-09T01:56:49","guid":{"rendered":""},"modified":"2025-01-07T15:10:29","modified_gmt":"2025-01-07T20:10:29","slug":"what-are-my-rights-if-i-do-hire-credit-repair-agency","status":"publish","type":"publications-page","link":"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency","title":{"rendered":"What are my rights if I do hire a credit repair agency?"},"content":{"rendered":"<p>A credit repair agency cannot ask you to pay them before they start work. If you paid in advance, you can ask for your money back. The agency must give you your money back within 15 days.<\/p>\n<p>A credit repair agency cannot charge any fee unless their services result in a real improvement to your credit report. And they cannot promise to improve your credit report until they have read it.<\/p>\n<p>If you hire a credit repair agency, they must give you a copy of your written agreement. The agreement must contain the agency&#8217;s name, address, and telephone number. It must also have:<\/p>\n<ul>\n<li>the agreement&#8217;s date<\/li>\n<li>a complete list of the services they will provide<\/li>\n<li>the date they will complete their services<\/li>\n<li>how much they will charge you if they improve your credit report<\/li>\n<\/ul>\n","protected":false},"featured_media":0,"template":"","class_list":["post-46024","publications-page","type-publications-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.2 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What are my rights if I do hire a credit repair agency? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What are my rights if I do hire a credit repair agency? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"og:description\" content=\"A credit repair agency cannot ask you to pay them before they start work. If you paid in advance, you can ask for your money back. The agency must give you your money back within 15 days. A credit repair agency cannot charge any fee unless their services result in a real improvement to your credit report.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency\" \/>\n<meta property=\"og:site_name\" content=\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\" \/>\n<meta property=\"article:modified_time\" content=\"2025-01-07T20:10:29+00:00\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data1\" content=\"1 minute\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency\",\"name\":\"What are my rights if I do hire a credit repair agency? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"isPartOf\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\"},\"datePublished\":\"2013-10-09T01:56:49+00:00\",\"dateModified\":\"2025-01-07T20:10:29+00:00\",\"breadcrumb\":{\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.cleo.on.ca\/en\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Publication pages\",\"item\":\"https:\/\/www.cleo.on.ca\/en\/publications-page\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What are my rights if I do hire a credit repair agency?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.cleo.on.ca\/en\/#website\",\"url\":\"https:\/\/www.cleo.on.ca\/en\/\",\"name\":\"CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.cleo.on.ca\/en\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What are my rights if I do hire a credit repair agency? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cleo.on.ca\/en\/publications-page\/what-are-my-rights-if-i-do-hire-credit-repair-agency","og_locale":"en_US","og_type":"article","og_title":"What are my rights if I do hire a credit repair agency? - CLEO (Community Legal Education Ontario \/ \u00c9ducation juridique communautaire Ontario)","og_description":"A credit repair agency cannot ask you to pay them before they start work. 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