INFORMATION STATEMENT REQUIRED UNDER FEDERAL LAW AND CERTAIN STATE LAWS
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You have the right to obtain a copy of that file from each consumer reporting agency free-of-charge every 12 calendar months. You may obtain your free copies on the Internet at www.annualcreditreport.com, or by contacting the consumer reporting agency directly. For more frequent requests, you may be charged a reasonable fee not exceeding eight dollars ($8). 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 consumer credit reporting agency must provide someone to help you interpret the information in your credit file. You have a right to dispute incomplete or inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit services organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. Even when a debt has been completely repaid, your report can show that it was paid late if that is accurate. If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you. You have a right to cancel the contract for any reason within five days from the date you accepted it. If for any reason you do cancel the contract during this time, you do not owe any money. You have a right to sue a credit services organization if it misleads you.
The Federal Trade Commission enforces the federal "Fair Credit Reporting Act". For more information, call or write the Federal Trade Commission. You are hereby notified of the existence and availability of non-profit credit counseling services whose purpose is to provide credit report repair services at little or no charge to you.
The Company will transmit dispute letters to the credit bureaus at monthly intervals. The monthly service fee per person is as indicated in your enrollment selection and confirmed by email message to the email address provided during enrollment. The estimated time for completion of our services is one hundred and eighty (180) days.
By acknowledging this notice, you certify that you have received, read, and understood “Information Statement Required Under Federal Law and Certain State Laws” as stated above.
DO NOT ACKNOWLEDGE THIS INFORMATION STATEMENT UNTIL YOU HAVE READ IT IN ITS ENTIRETY.
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