This page is educational. It is not legal advice. Accurate, current, verifiable information cannot legally be removed from a credit report.
plant money habits is a private company founded by Yordan Marin. It is not a government agency. It is not Equifax, Experian, or TransUnion. It is not the CFPB or the FTC.
First-screen answer. FEDERAL CROA still applies: no money before services are fully performed, no untrue claims, a separate signed 1679c statement, a written contract, and a 3-business-day cancel. STATE New Jersey does not run a credit-services-organization registration for this work. N.J.S.A. 56:11-28 is the New Jersey Fair Credit Reporting Act. It is not a credit-repair-organization license. This page does not say anyone is “licensed by New Jersey.” STATE Louisa Carman Medical Debt Relief Act (P.L. 2024, c.048): medical creditors and collectors may not report debt for health-care services performed on or after July 22, 2024, and consumer reporting agencies may not report paid medical debt or medical debt under $500, regardless of date.
Every fact below is labeled FEDERAL or STATE.
FEDERAL — CROA. The Credit Repair Organizations Act applies nationwide. A credit repair organization may not take money for a service before that service is fully performed. It may not make untrue or misleading claims. Before any contract, it must give you a separate signed Consumer Credit File Rights statement (15 U.S.C. § 1679c). The contract must be in writing. You may cancel within three business days (§ 1679e). Advance-fee and untrue-claim rules are in § 1679b.
FEDERAL — FCRA disputes. You can pull your files and dispute incomplete or inaccurate information with the bureaus and with furnishers. See How a credit dispute works under the FCRA. Start with How do I dispute an error on my credit report? (CFPB) and Disputing Errors on Your Credit Reports (FTC). The FTC’s Fixing Your Credit FAQs repeat the hard line: no one can legally remove accurate, current information.
FEDERAL — free files, not scores. By statute you get one free file from each nationwide bureau every 12 months. The bureaus also offer weekly free reports (not scores) at AnnualCreditReport.com. See Free Credit Reports (FTC).
FEDERAL — CFPB complaint after a bureau dispute. A CFPB complaint is not round one. As of June 24, 2026, the CFPB directs consumers who have a credit-reporting complaint about incomplete or inaccurate information to complete the statutory dispute with the bureau first. Then you may submit a complaint.
FEDERAL — medical debt. There is no nationwide ban. The CFPB’s medical-debt credit-reporting rule was vacated on July 11, 2025. See Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V). Separately, Equifax, Experian, and TransUnion keep a voluntary industry policy: they generally keep off paid medical collections, medical collections under $500, and medical collections less than 12 months past due. That policy covers medical collections. Ordinary credit-card charges for medical care are not covered. A state rule, if one exists, is labeled STATE below. Do not treat industry policy as a federal statute.
STATE. New Jersey does not currently require a separate credit-services-organization license or CSO registration for credit-repair work. Federal CROA still applies in full.
STATE — N.J.S.A. 56:11-28 is the New Jersey FCRA, not a CRO license. New Jersey has its own Fair Credit Reporting Act, P.L. 1997, c.172 (C.56:11-28 et seq.). That statute is about consumer reports. It is not a credit-repair-organization license, bond program, or CSO registration. Do not treat a 56:11-28 citation as proof that a company is “licensed by New Jersey” to repair credit.
What this page does not claim. This page does not say plant money habits, or any company, is licensed by New Jersey.
STATE. New Jersey’s Louisa Carman Medical Debt Relief Act, P.L. 2024, c.048, supplements 56:11-28 et seq. The Division of Consumer Affairs’ consumer brief and the statute state:
FEDERAL still applies. There is no nationwide ban. The CFPB rule was vacated July 11, 2025. The bureaus’ voluntary policy on paid / under-$500 / less-than-12-months-past-due medical collections is industry practice, not New Jersey’s Carman Act. Do not mix the two.
STATE. The New Jersey Division of Consumer Affairs is at njconsumeraffairs.nj.gov. Phone: 973-504-6200 or 800-242-5846. That office is a STATE regulator. It is not plant money habits, and plant money habits is not that office.
You can do this yourself, for free. Done-for-you: https://plantmoneyhabits.com/start/ . Cheaper DIY guides: https://store.plantmoneyhabits.com. Plans: /pricing.
Read your consumer credit file rights before you sign anything.
You can do every step on this page yourself, for free. If you want us to run the disputes, that is the done-for-you service. $0 today. We do not guarantee a credit score number.
Get started · See plans · DIY guides (no done-for-you guarantee): store.plantmoneyhabits.com