This document needs to be given to each customer that is ready to proceed forward and must be signed right away before proceeding.
**Consumer Credit File Rights Under State and Federal Law**
This document is provided to you as required by the federal Credit Repair Organizations Act
(CROA) and any applicable state law. You have specific rights under the FCRA and state laws
to ensure that your credit report accurately reflects your creditworthiness.
**Your Right to Obtain a Copy of Your Credit Report**
Under federal law, you have the right to a copy of your credit report from each credit reporting
agency every 12 months. You also have the right to a free copy of your credit report if you've
been denied credit, insurance, or employment within the last 60 days due to information on
your credit report.
**Your Right to Dispute Inaccurate Information**
You have the right to dispute any information on your credit report that you believe is
inaccurate, incomplete, or outdated. You can dispute this information directly with the credit
bureau, and the credit bureau must investigate the items in question—usually within 30 days—
unless they consider your dispute frivolous.
**Accurate Information Can be Reported**
Accurate negative information can generally be reported for seven years, except for bankruptcy
information, which can be reported for 10 years, and information reported in response to an
application for a job with a salary of more than $75,000 or an application for more than
$150,000 worth of credit or life insurance.
**Rights Against Credit Repair Companies**
Credit repair organizations are prohibited from taking any action that you could not take for
yourself for free. These organizations are also prohibited from charging you until they have
completed the promised services.
**The Right to Cancel a Contract with a Credit Repair Organization**
You have the right to cancel any contract with a credit repair organization for any reason within
three business days from the date you signed it.
**Credit Repair Organizations Must Provide a Written Contract**
A credit repair organization must provide you with a written contract that details the services
they'll perform, how long it will take to achieve results, the total cost, and any guarantees they
offer.
**Prohibition on Misleading Statements**
Credit repair organizations are not allowed to make false claims or statements about their
services, including promising to remove negative but accurate and verifiable information from
your credit report.
**State Law Rights**
In addition to your federal rights, you may have additional rights under state law. You may wish
to contact a state or local consumer protection agency or a state attorney general to learn
those rights.
**Company Acknowledgment**
acknowledges that we have provided you with this document,
"Consumer Credit File Rights Under State and Federal Law," as required by federal law.**Acknowledgment of Receipt by Consumer**
I, [Your Name], acknowledge that I have received and reviewed the "Consumer Credit File
Rights Under State and Federal Law" document provided by Credit Pro Max.
Consumer's Signature: ___________________________ Date: _______________
Credit Repair Company Representative: ___________________________ Date: _______________
Print Name: ___________________
Title: _________________________