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inaccurate, outdated, incomplete, or unverifiable.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 reinserted 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: __________