DRAFT — every disclosure and contract term is pending Florida consumer-finance attorney approval.

Your Rights, the Agreement, and Your Right to Cancel

Please read these in full before any work begins. You receive the federal rights statement and the Florida information statement as separate documents before you sign, plus two copies of the Notice of Cancellation.

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 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 unverified information, usually within 30 days.

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.

Florida Information Statement (Fla. Stat. § 817.703)

  1. Name and address of the organization: [ENTITY NAME], [Address], [Phone].
  2. A complete and detailed description of the services and the total amount you will pay — payable only after each service is fully performed.
  3. You have the right to proceed against the $10,000 surety bond. Surety: [Name, Address], Bond No. [____]. Florida does not register or license credit service organizations, so no registration number exists.
  4. You have the right to review your own credit file and to dispute inaccurate information directly with the bureau, for free.
  5. You may cancel before midnight of the 5th day after signing. See the Notice of Cancellation.
  6. You may file a complaint with [FL agency — CONFIRM WITH ATTORNEY].

Your Right to Cancel

YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN 5 DAYS FROM THE DATE THE CONTRACT IS SIGNED. Federal law also gives a 3-business-day right; the longer 5-day Florida period applies.

If you cancel any payment made by you under this contract, it will be returned within 10 days following receipt by the credit service organization of your cancellation notice.

Not legal advice. Pending attorney review.

Service Agreement Acknowledgement

How and when you are billed

You are billed ONLY after a service is fully performed and documented. We will never request or accept any advance, deposit, retainer, escrow, setup, enrollment, or membership fee before a service is fully performed. A dispute service is fully performed — and billable — even when the bureau verifies the item as accurate; the fee is for the work, not the result.

We do not and cannot guarantee any result, any score change, or that any item will be deleted or corrected. We dispute only items you identify and believe are inaccurate, incomplete, or unverifiable. We will not dispute accurate, current, verifiable information.

Need to cancel? You may cancel within the cancellation window for any reason. Go to the cancellation form.