RIGHTS OF CONSUMERS REGARDING CREDIT FILES PURSUANT TO THE STATE AND FEDERAL LAW
You have the right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any “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 10 years. You have the right to obtain a copy of your credit report from a credit bureau. You have the right to receive disclosure of all information, except medical information, in your file maintained by 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 service organization if it misleads you or violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations. 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 information in your credit file. The credit bureau must then re-investigate 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.
RIGHTS OF CONSUMERS REGARDING CANCELLATION OF CONTRACT
You have the right to give written notice of your intention to cancel a contract with a credit service organization for any reason within 5 business days from the date you signed it. If for any reason you do cancel a contract during this time, you do not owe money.
OVERVIEW OF SERVICES
Credit Guard will facilitate the process of challenging the accuracy of the items presented to us by the client(s) on their credit reports (see List of Adverse Information). This can include items from all three sections of the credit report (Personal Information, Payment History or Inquiries). This will be accomplished by one set of written correspondence between Credit Guard, Inc. and the three major credit bureaus: Experian, TransUnion, Equifax and in some instances directly to the creditors themselves. In addition, the client(s) will receive one ID Theft Recovery Kit™ per applicant’s address by mail. This is a comprehensive do-it-yourself kit that may aid the client(s) in identity theft recovery and prevention. The cost for services is $1800 per applicant. No charges will be billed until all contracted services are fully performed, which takes approximately 3 business days beginning on the date of the signed Client Agreement. This means your account will not be charged any sooner than the 4th day from the date you sign the Client Agreement. Once Credit Guard has mailed the one set of challenges to the three major credit bureaus and the ID Theft Recovery Kit™ to you, the client(s), our services are considered fully performed, regardless of any future changes, if any, to the credit report or credit score of client(s).
RESIDENT AGENT LIST
Resident Agent for Credit Guard is InCorp Services, Inc.: CA: 5716 Corsa Ave. Ste. 110, Westlake Village CA 91362 TX: 815 Brazos St. Ste. 500, Austin TX 78701 IL: 2501 Chatham Rd. Ste. 110, Springfield IL 62704 AZ: 2338 W. Royal Palm Rd. Ste. J, Phoenix AZ 85021 WA: 102 Prefontaine Pl. So., Seattle WA 98104 CO: 36 S. 18th Ave. Ste. D, Brighton CO 80601 FL: 17888 67th Crt. N. Loxahatchee FL 33470 NC: 176 Mine Lake Crt. Ste. 100, Raleigh NC 27615-6417 PA: 7208 Red Top Rd., Hummelstown PA 17036 NV & All Other States: 3155 E. Patrick Ln. Ste. 1, Las Vegas, NV 89120.