CROA Disclosure
Last updated: October 15, 2026
Independence Boost is a credit repair organization under the federal Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679 and following. Federal law requires us to give every consumer the following statement before any contract is signed. We also provide a printed copy at our office before you sign anything.
Consumer Credit File Rights Under State and Federal Law
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any "credit repair" company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit reporting agency may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580
Additional Helpful Information
You can get free copies of your credit reports from all three credit bureaus at AnnualCreditReport.com.
You can learn more about your rights or file a complaint with the Federal Trade Commission at ftc.gov and ReportFraud.ftc.gov, or with the Consumer Financial Protection Bureau at consumerfinance.gov.
Our Fees and Billing
Our program fee is $1,200 total, billed as six Phases of $200 each.
We never charge any fee before the services for a Phase are fully performed. There are no setup, enrollment, or advance fees.
Each Phase is billed only after every deliverable for that Phase is complete and you have received a written notice listing the completed work.
Clients may need a separate credit monitoring subscription, which is paid directly to the monitoring company and can be canceled at any time.
We do not ask for or accept payment over the phone. All agreements are signed in person at our office.
Your Right to Cancel
You may cancel your contract with us without penalty or obligation at any time before midnight of the third business day after the date you sign it. If you cancel, any payment you made will be returned within 10 days of our receiving your cancellation notice. Two copies of a Notice of Cancellation form are included with every agreement. You may cancel by mailing or delivering a signed and dated notice to our office address below, or by emailing it to support@independenceboost.com.
No Guarantees
We cannot and do not guarantee any specific result, including any increase in your credit score or the removal of any specific item. We dispute only information that we believe is inaccurate, incomplete, or cannot be verified.
Surety Bond
Independence Boost maintains a surety bond as required by Indiana law. If you are harmed by a violation of Indiana’s credit services organization law, you may have the right to bring a claim against the bond. Our surety company is Great American Insurance Company, 301 E. 4th Street, Cincinnati, Ohio 45202.
Contact Us
Independence Boost
8520 Allison Pointe Boulevard, Suite 220, Indianapolis, Indiana 46250
Phone: 317-406-4903
Email: support@independenceboost.com
Independence Boost
We help Indianapolis families fix their credit. We remove errors and build better scores. We serve Indianapolis and surrounding areas.
📍8520 Allison Pointe Blvd #220, Indianapolis, IN 46250
📞 (317) 406-4903 · ✉️ support@independenceboost.com
Services Areas
Indianapolis
Carmel
Fishers
Noblesville
Greenwood
Westfield
© 2026 Independence Boost LLC · Indianapolis, IN 46250