CROA disclosure
Consumer Rights Disclosure
This disclosure is provided to make your rights explicit before you use or pay for credit-repair-related services.
Last updated: April 2026
This page is intended to support compliance with the Credit Repair Organizations Act and to make clear that you retain the right to act directly on your own behalf.
Important Consumer Disclosure
Before you sign an agreement or pay money for credit-repair-related help, you should understand the rights consumer law preserves for you.
1
You can dispute inaccurate information directly with the credit bureaus without paying KWANUS or anyone else.2
You can obtain free credit reports through the legally available annual report channels.3
You may cancel within the applicable cancellation window without paying fees prohibited by law.4
No one can legally remove accurate, current, and verifiable negative information simply because you want it gone.5
You can pursue remedies against a credit repair organization that violates applicable consumer law.What KWANUS Does
KWANUS provides document-preparation tools, workflow guidance, education, analysis, and product recommendations that help you organize your own recovery and credit-building actions.
What KWANUS Does Not Do
KWANUS does not provide legal advice, does not guarantee deletions or score changes, and does not independently file disputes on your behalf without your review and participation.
Agency Contacts
If you have concerns about any credit-repair organization, you may also contact agencies such as the CFPB, FTC, or your state attorney general for guidance or complaint options.
This disclosure is made available so it can be reviewed at any time from the legal pages of the site.