Credit Repair Organizations Act (CROA) Disclosure

Last updated: June 30, 2026

CredX is operated by The Malloy Group Financial LLC d/b/a CredX. The following disclosures are required under the federal Credit Repair Organizations Act, 15 U.S.C. § 1679 et seq., and similar state laws.

Your rights. You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus directly. Neither you nor any credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report.

1. No Upfront Fees for Dispute Assistance Services

Consistent with CROA, CredX does not charge upfront fees for dispute assistance services. Any setup or work fee is billed only after the applicable work has been performed or delivered, as described in your signed Service Agreement.

2. No Guarantee of Results

CredX does not guarantee any specific credit-score increase, the removal of any specific item from your credit report, or any particular loan approval or financing outcome. Results depend on the accuracy of the information being disputed and the responses of credit bureaus and furnishers.

3. Your Right to Cancel

You have the right to cancel your dispute assistance Service Agreement without penalty or obligation until midnight of the third business day after the agreement is signed. To cancel, notify us in writing at:

Email: contact@credxme.com
Mail: The Malloy Group Financial LLC, 1392 Madison Avenue, New York, NY 10029

4. You Can Dispute for Free Yourself

You are not required to use a credit-repair organization to dispute information in your credit file. You may dispute inaccurate information directly with each credit bureau at no cost:

Equifax: equifax.com/credit-dispute
Experian: experian.com/disputes
TransUnion: transunion.com/credit-disputes

5. What We Will and Will Not Do

We will review your credit reports with you and identify items that may be inaccurate, incomplete, or unverifiable.
We will help you prepare dispute correspondence based on the information you provide.
We will not make false claims to credit bureaus, creditors, or anyone else.
We will not create a new credit identity or advise you to use an Employer Identification Number (EIN) to replace your Social Security Number.

6. Questions or Complaints

If you believe a credit-repair organization has violated CROA, you have the right to sue in federal court. You may also file complaints with:

Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint
Federal Trade Commission (FTC): reportfraud.ftc.gov

Service Agreement disclosures and cancellation notices are also provided electronically at the time you sign your agreement in the CredX portal.