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Legal & safety

• Is this legal? — Yes. Credit disputing is a consumer right under the FCRA. What the law actually says.
• FCRA basics — A consumer-friendly tour of the Fair Credit Reporting Act sections that show up in every dispute.
• How we protect your data — Encryption at rest and in transit, MFA-enforced staff access, an immutable audit log, and soft-delete with recovery.
• FDCPA basics — The federal law that governs debt collectors. What they can and can't do, and what you can do when they don't.
• CROA and software — How the Credit Repair Organizations Act applies to credit-repair companies — and why software you use yourself isn't one.
• State law variations — Many states layer protections on top of FCRA and FDCPA. A high-level pointer, not state-by-state advice.
• When not to use this — Honest exclusions. Situations where Credit Hack AI is the wrong tool and what to use instead.
• Glossary — Quick definitions for the terms you'll see across your credit reports and dispute correspondence.