Yes. Under federal law, you have the right to add a brief consumer statement (typically up to 100 words) to your credit report. This statement appears on your file and is visible to lenders who pull your report. It does not change your credit score, but it can provide context for unique circumstances. Each of the three bureaus has a process for adding a consumer statement.
Can I get my own statement added to my Texas credit file?
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About the Author: Logan Skidmore
With over two decades of deep-rooted experience in the financial and property markets, Logan Skidmore is a powerhouse in the credit restoration industry. As a co-founder of The Credit Repairmen in 2011, Logan has established himself as a preeminent expert in credit score optimization, strategic repair, and the laws that govern the credit and credit repair industries.
His journey into advocacy began with an 8-year tenure as a mortgage loan officer, paired with 22 years of active real estate investing—roles that revealed the critical, often life-changing impact of a healthy credit profile. Driven by the desire to help others navigate the complexities he witnessed firsthand, Logan co-founded his firm to provide elite, law-based solutions that empower clients to reclaim their financial freedom and achieve their homeownership goals.
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