**Credit Pro Max Client Process Acknowledgment**
Client Name: [Client's Full Name]
Client Address: [Client's Address]
Date: [Date]
Dear [Client's Full Name],
As a valued client of Credit Pro Max, we are committed to providing you with
transparent and truthful information regarding the credit file dispute process. This
document outlines important facts you should understand as we work together to
address inaccuracies on your credit reports.
**1. Your Rights:**
You have the right to dispute any information on your credit report that you
believe to be inaccurate, outdated, incomplete, or unverifiable. You can dispute
credit report information without the assistance of a credit repair company and at
no cost.
**2. The Dispute Process:**
When you dispute information on your credit report, the credit bureau must
investigate the items in question – typically within 30 days – unless they consider
your dispute frivolous. They must also forward all relevant data you provide about
the inaccuracy to the organization that provided the information.
**3. After the Investigation:**
If the credit bureau completes its investigation and determines that the disputed
information is indeed inaccurate or cannot be verified, it must remove or correct
the information on your credit report. If an item is verified as accurate, it will
remain on your credit report.
**4. Inaccurate Information:**
If information is found to be inaccurate or can no longer be verified, the law
requires the credit bureaus to remove it from your credit report. This does not
mean that all negative information will be removed; only inaccuracies or
unverifiable information must be eliminated.
**5. Reinsertion of Information:**
If any information is removed from your credit report as a result of your dispute,
but is later verified as accurate by the creditor or data furnisher, it can be
Credit Pro Max 1reinserted into your credit report. The credit bureau will notify you before
reinserting previously disputed information.
**6. Timeframes for Information:**
Most negative information can stay on your credit report for up to seven years,
and bankruptcy information can remain for up to ten years. Accurate negative
information generally cannot be removed legally before these timeframes expire.
**7. Fraudulent Information:**
If you believe information on your credit report results from fraud, such as identity
theft, you have additional rights under federal law to have this information
blocked from your credit report.
**8. Credit Repair Services:**
While Credit Pro Max can assist you in disputing inaccuracies on your credit
report, please be aware that no credit repair company can legally remove
accurate and timely negative information.
**9. Credit Score Improvement:**
The removal of inaccurate negative information from your credit report may
improve your credit score. However, the overall improvement will depend on your
entire credit profile and financial behavior.
**10. No Guarantee of Results:**
Credit Pro Max works diligently on your behalf, but we cannot guarantee specific
outcomes or improvements in your credit score due to the complex nature of
credit reporting and individual financial situations.
By signing below, you acknowledge that you have received, read, and
understood this Client Truth Document Regarding Disputed Files.
Client's Signature: ___________________________
Date: _______________
Credit Pro Max Representative: ___________________________
Date:_______________
Credit Pro Max