; or (4) engage, directly or indirectly, in any act, practice, or course of business that constitutes or results directly in the commission of, or attempt to commit, a fraud or deception on any person in connection with the offer or sale of the services of the authorized credit services provider. (c) Mandatory disclosure Except as otherwise provided by law, an authorized credit services provider shall disclose, in writing or electronically, the following disclosure, or a substantially similar disclosure, to the consumer prior to the authorized credit services provider commencing credit and identity protection services or credit education services to the consumer: Consumer Credit File Rights You have a right to dispute inaccurate information in your credit report free of charge by contacting the credit bureau directly. However, neither you nor any other company or organization has the right to have accurate, current, and verifiable information removed from your credit report. Under Federal law, 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. It is unlawful to conceal, distort, or otherwise provide misleading information to a credit bureau. You have a right to obtain a free copy of your credit report annually from each of the three nationwide credit bureaus at www.annualcreditreport.com. You have a right to obtain a copy of your credit report from a credit bureau at any other time for 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 at no cost to you someone to explain to you any information in the credit file disclosure you receive from the credit reporting agency. 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