Fair Credit Reporting Act

The Fair Credit Reporting Act gives you the right to accurate credit reporting.  You can exercise that right by having your inaccurate credit items either verified as accurate or deleted from your credit reporting according to the Fair Credit Reporting Act.  

A Credit Repair Company provides a service to assist the client to dispute inaccurate items on the credit report.  Consumers have the right to attempt to repair their credit on their own.  However, Fairview offers professional advice and services to assist in the credit repair process.  We have proven methods and process that will effectively remove inaccurate information on your credit report.  Our service is not guaranteed to remove every item on all credit bureaus.  However, we strive to remove every item within the legal bounds of the Fair Credit Reporting Act.

  

Refund Policy Disclosure

Fairview Credit Restoration. strives to have 100% satisfied clients. We stand behind our credit repair service.  Our service is backed by a refund policy which entitles you to some or all your money back. If fairview. does not successfully dispute any items or boost your score reported to your credit profile within 180 days, you will be entitled to half your money back. If we cannot successfully dispute and have the credit bureaus delete any inaccurate items on your credit report within 180 days, you will be entitled to a full refund within 30 days of your written request to receive a full refund.

Fairview reserve the right to add any au trade-lines to boost your credit score if needed.

 

Customer Obligation Contract

To complete the full process of credit repair, when you receive information in the mail from Equifax, Experian and Trans Union, or Innovis it is imperative that you contact Fairview Credit Restoration immediately.   The information received from the credit bureaus will help us to continue the dispute process.  Failure to contact us promptly will result in delay or non-completion of your credit repair.

It is the customer obligation not to apply for new credit while Fairview is in process of disputing and resolving disputed items on your credit report.  By applying for new credit, it will negate the progress that we have made.

By signing our agreement, you the consumer agree “I have read and understand the completion process.  I understand that it is my responsibility when I receive information in the mail from the Credit Bureaus to contact Fairview immediately. 

 

Fairview Credit. will not be held responsible or liable for my credit repair if I fail to satisfy the Customer Obligation Contract.

Credit Consulting Contract Agreement

Fairview will completed the following.

 

• Provide professional advice and counseling on how to repair and maintain good credit 

• Assist in disputing inaccurate items on your credit report.

• Assist in the preparation of the proper legal forms to be filed with the credit agencies reporting    these inaccurate items.

• Complete a 45–90 day review to go over the updated credit report.

• All paperwork shall be held confidential as stated in the Privacy Act and Consumer Credit Protection Act.

 

Fairview Credit Restoration Program Fee:

120-day credit restoration program requires 3 payments of $365.00 which equals to $1095.00

90 day credit restoration program 1 payment required of $699.00 which saves you $396.00  

Payment is due once the credit evaluation has been completed by the rep.

 

You may cancel your contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the attached notice of cancellation form for an explanation of this right.  

 

 

Consumer Credit Protection Act Disclosure Statement 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 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 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 repair organization that violates 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 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'.

 

Consumer Credit Act Disclosure Consumer Credit File Rights Under State and Federal Law (Sec. 405. Disclosures) This disclosure has been furnished to you in accordance with the Consumer Credit Protection Act. I acknowledge that I have received a copy of the Consumer Credit File Rights under State and Federal Law in accordance with the Consumer Credit Protection Act. 

 

Your privacy is important to us. This privacy policy is intended to give you confidence in the privacy and security of the personal information we obtain from you whether you are using Fairview to uploading information from our website or downloading our applications, or are merely visiting our Websites.

 

When you use our Products or Websites, you may be asked for personally identifiable information such as your name, address, date of birth, email address, telephone number.

 

By giving us such information, you will need to consent to our using it in the manner described in this policy.

 

You may withdraw your consent at any time by emailing us at hq@fairviewcredit.com. We will destroy your personal information within five days of receipt of your withdrawal of consent.

 

We will not disclose your personal information to any third party unless you have consented to such disclosure or where we are required to do so by law. Should you breach our terms and conditions or terms of use or if we are under a duty to disclose or share your personal data in order to comply with any legal obligation, we may disclose your information to a relevant authority. This may include exchanging information with other companies and organizations for the purposes of fraud protection and credit risk reduction. Any disclosure of personal information will be strictly controlled and made fully in accordance with current U.S. law.

 

COOKIES

Cookies are small data files that a website you visit may save on your computer or handheld device that usually includes an anonymous unique identifier. Our Websites and those of our Products may use cookies for user authentication, keeping track of your preferences, promotional campaigns, tracking our audience size and traffic patterns, and in certain other cases. We may include small graphic images in our email messages and newsletters to determine whether the messages were opened and the links were viewed.

 

Third-party advertisers may also create and access cookies, which will be subject to their privacy policies – we accept no responsibility or liability for the use of such third parties’ cookies. If you do not wish cookies to be placed on your PC or handheld device, then they can be disabled in your web browser. The option to do so is normally found in your browser’s “security settings” section. Please note that permanently disabling cookies in your browser may hinder your use of our Websites as well as other websites and interactive services.

 

SECURITY

All security on our Websites is treated seriously. Where applicable, we undertake security steps, including use of SSL technology, on our back-end systems that store customer account information and to protect data transmissions. However, this is not a guarantee that such data transmissions cannot be accessed, altered or deleted due to firewall or other security software failures.

 

If you have any further concerns about security, please email our Customer Service team at hq@fairviewcredit.com

 

POLICY CHANGES

Changes in this policy will be posted on our Websites. You are advised to check our Websites regularly to view our most recent privacy policy.

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