STATE & FEDERAL LAW
DISCLOSURE STATEMENT TERMS & CONDITIONS.
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 restoration company or credit restoration 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 restoration organization that violates the Credit restoration Organization Act. This law prohibits deceptive practices by credit restoration organizations. You have the right to cancel your contract with any credit restoration 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 will dispute the accuracy of information in your credit file. The credit bureau 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 restoration organizations. For more information contact:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
The Federal Fair Credit Reporting Act (FFCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under the FFCRA:
You have the right to review any file on you maintained by any consumer reporting agency and the right to receive a copy of your report containing all information in your file as provided under the FFCRA (15 USC Β§1681g).
A copy of your report containing all information in your file must be furnished free of charge by the consumer reporting agency if requested by you within 60 days of receiving a notice of a denial of credit as provided for under the FFCRA (15 USC Β§1681j).
A nominal charge may be imposed by the credit reporting agency for a copy of your consumer report if you have not been denied credit within 60 days from the receipt of your request.
You have a right to dispute the completeness or accuracy of any item contained in any file of yours that is maintained by any consumer reporting agency as provided under the FFCRA (15 USC Β§1681i)
IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION OF ONGOING SERVICES
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I acknowledge that I have received and agree to these terms.
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