Last updated: September 7, 2026
CredX provides software and education and may provide separately agreed credit-related support. Where the Credit Repair Organizations Act applies to the actual offering, its protections apply regardless of the product label. This page explains rights; it does not replace the separate statutory disclosure, written contract and cancellation forms required for a covered agreement.
Under 15 U.S.C. § 1679b(b), a credit repair organization may not charge or receive money or other valuable consideration for an agreed service before that service is fully performed.
Covered services require a written, dated and signed agreement containing the applicable payment terms, detailed service description and estimated performance period. Services must not begin before the applicable statutory waiting period has ended. A consultation or software fee is not an exception to those requirements where the activity is covered. See 15 U.S.C. § 1679d.
You may cancel a covered agreement without penalty or obligation until midnight of the third business day after signing. Use the Notice of Cancellation supplied with your agreement or another written notice of intent. Email contact@credxme.com, or mail/deliver your signed, dated notice to The Malloy Group Financial LLC d/b/a CredX, 1392 Madison Avenue, New York, NY 10029. See the Cancellation Policy and 15 U.S.C. § 1679e.
You may dispute inaccurate information directly with a credit bureau for free. Neither you nor a credit repair organization has the right to remove accurate, current and verifiable information merely because it is unfavorable. Reporting time limits and exceptions depend on applicable law. You have rights to obtain credit reports and to sue for violations of CROA.
The full statutory Consumer Credit File Rights Under State and Federal Law statement must be supplied separately before a covered contract is executed, with the required acknowledgment and copies. A link or this summary alone is not that delivery.
CredX can help organize authorized information and factual review. We do not guarantee score increases, deletions, approvals or funding. We do not fabricate disputes, make false identity-theft claims, create a new credit identity or advise using an EIN in place of a Social Security number. CredX is not a law firm, lender, credit bureau or government agency. Readiness assessments are not consumer credit scores.
You may contact Equifax, Experian or TransUnion directly. Complaints may be submitted to the CFPB, FTC or applicable state authorities. State law and other federal rules may provide additional protections; nothing on this page waives them.
The Malloy Group Financial LLC d/b/a CredX
1392 Madison Avenue, New York, NY 10029
Email: contact@credxme.com
Phone: 866-CREDX-ME