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 a credit repair company or credit repair 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 up to 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. However, there is no fee 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 repair organization that violated the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

 

You have the right to cancel your contract with any credit repair 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 dispute the accuracy of the information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. 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 repair organizations. For more information contact: The Public Reference Branch Federal Trade Commission Washington, D.C. 20580. 

 

Notice of Right to Cancel

 

''You may cancel this contract, without any penalty or obligation, at any time before midnight of the 3rd day which begins after the date the contract is signed by you.

''To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Keys2CreditFinancialSolutions LLC, 8032 22ND AVE., #119, KENOSHA, WI, 53143, before midnight on the 3rd day which begins after the date you have signed this contract stating ''I hereby cancel this transaction, (date) (purchaser’s signature).’’

 

Money-Back Guarantee

 We offer a 100 percent money-back guarantee in our program for any accounts that we bill for that comeback. You agree that the only way to remain eligible for our Money Back Guarantee Program is to abide by the following terms:

 1.) You must keep a credit monitoring service. Failure to keep credit monitoring (Not credit Karma) will void your money-back guarantee because it makes it hard for us to verify what’s being removed. You also agree to share the login details with our team at all times.

 

2.)  You must return all received mail from the credit bureaus and debt collectors in question to us within 5 days of receiving it or 15 Days from the date on the Report. You also must update us within 30 days of changing an address. You will always have a working phone number on file as well.

 

3.) You must have service with us for 6 consecutive months with no account suspensions due to non-payment causing reactivation or no skipped payments during the 6 month period.

 

4.) You have not had any new collection accounts or late payments added and have not paid any collection accounts during the time enrolled in our program without our notice.

 

5.) Failure to comply with our recommendations that cause your credit score to decrease such as obtaining a secure credit card, unsecured credit card, or new account that will build a credit history

 

6.) Do note that “I am mad because I didn’t get called back and I just had a question and I have been calling is not grounds for a refund. This is why we ask you to ask them through the portal since it is the fastest way to get a response.

 

7.) Only if we have not removed at least 1 account within 180days. (Only if you have not had a prior credit repair service within the past 18months)

 

Acknowledgment of Responsibility

 

By signing below, I acknowledge that I have not been restoring my own credit within the past 45 days. I understand and agree that any deletions that are made after I sign this agreement will be credited to the work of Keys2CreditFinancialSolutions and will pay for each deletion as agreed without dispute. I also acknowledge that I will not do anything to stand in the way of Keys2CreditFinancialSolutions while they are working to assist in improving my file such as:

 

1.) Sending my own letters or contacting the bureaus and/or creditors without notifying     Keys2CreditFinancialSolutions within 24 hours.

 

2.) Increasing the spending on your credit cards

 

3.) Missing payments on the current bill causing further damage to the payment history.