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 processes 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 strives to have 100% satisfaction from our 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.
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's obligation not to apply for new credit while Fairview is in the 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, and at Fairview discretion will cause Termination of services with no possibility of refund.
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:
Full Payment is due once the credit evaluation has been completed by your Fairview 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. However, 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.
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