You must be told if information in your file has been used against you. Anyone who utilizes a credit report to make decisions based on information in that file (insurance, credit companies, banks or employers) or anyone who will take adverse action based in part or in whole must tell you, and give you the name, address and telephone number of the agency that provided the information (ex. original creditor).
You have the right to know what's in your file. You may request and obtain all the information about you in any file held by a consumer reporting bureau ("Your file disclosure"). You will be required to provide proper identification including a social security number. Most disclosures are free. You are entitled to a free file disclosure if: A person has taken adverse action against your person/a business entity because of information contained in a credit report; you are a victim of identity theft and have initiated a fraud alert on your file; your file contains false information due to identity theft of fraud; you are on public assistance; you are unemployed but expect to apply for unemployment within 60 days.
All consumers are entitled to one free disclosure every 12 months upon request from each of the top 3 credit reporting bureaus, nationally. You may visit www.consumerfinance.gov/learnmore or www.annualcreditreport.com for more information.
You have the right to ask for a credit score. Credit scores are numerical summaries which quantify your credit worthiness based on information culled from credit reporting bureaus. You may request a credit score from consumer reporting bureaus that create scores or distribute scores used in residential/real property loans, but you will have to pay for it. In some mortgage transactions, you may receive credit score information for free from the mortgage lender.
You have the right to dispute incomplete or inaccurate information. If you identify information on your file(s) that is incomplete or inaccurate and report it to the consumer reporting bureaus, the bureaus must investigate.
Consumer reporting bureaus must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting bureau may continue to report information it has verified as accurate.
Consumer reporting bureaus may not report outdated negative information. In many, if not most cases a consumer reporting bureau may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old.
Access to your file is limited. A consumer reporting bureau may provide information about you to people with a valid need—usually to consider an application with a creditor, insurer, employer, landlord or other business.
You must give consent for consent to be provided to employers.
A consumer reporting bureau may not give out information about you to your employer, or a potential employer without you written consent given to the employer in question. Some industries are exempt from this.
You may limit "prescreened" offers of credit and insurance you get based on information in your credit report. Unsolicited "prescreened" offers for credit and insurance must include toll-free telephone numbers where you can call and opt to remove yourself your name and address from lists these offers are based upon. You may opt out with the nationwide credit bureaus at: 1-888-5optout (1-888-567-8688).
You may seek damages from violators. If a consumer reporting bureau, or in some instances, a user of consumer reports or a furnisher of information to a consumer reporting bureau violates the FCRA, you may be able to sue in state or federal court.
Identity theft victims and active-duty military personnel have additional rights. For more information please visit; www.consumerfinance.gov/learnmore
States may also enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information on your rights contact your State Attorneys General.
To know more about our services, reach out and let's talk.
FAIR CREDIT REPORTING ACT of 1970 (FCRA) Act signed into law to promote fairness, accuracy and privacy of consumer information contained in the files of credit reporting agencies.
FAIR DEBT COLLECTION PRACTICES ACT of 1978 (FDCPA) Limits the behavior and actions of third-party debt collectors.
CREDIT REPAIR ORGANIZATION ACT of 1996 (CROA) statute created to prevent credit repair organizations from engaging in unfair business practices, unfair tactics that result in a financial hardship for consumers of limited financial means or the uneducated.
FAIR AND ACCURATE CREDIT TRANSACTIONS ACT of 2003 (FACTA) Designed for greater transparency; this law allows for consumers to request their credit report free once a year from the top 3 credit reporting bureau's.
FREE CREDIT REPORT ANNUALLY FROM THE TOP 3 CREDIT MONITORING BUREAUS. Consumers can request their free credit report annually from the top 3 credit reporting bureau's. We recommend: www.annualcreditreport.com
FEDERAL TRADE COMMISSION Agency created to protect consumers rights. Among the work they do, they investigate entities that do not comply with the laws governing credit repair, debt management and all other aspects of the FCRA.
ATTORNEY GENERAL of FLORIDA, Ashley Moody (Our charter state) The office of the ATTORNEY GENERAL assists and protects consumers from fraud and deceptive practices. Complaints are welcomed and their website is full of free links and guidelines.
Attorney General of Florida Consumer Complaint Form Complaint form provided directly from the office of Ashley Moody.
Federal Trade Commission report scams Here is the direct link to reporting a scam to the FTC. Been shafted? Robbed? No one takes you more seriously than these people, this is what they do.
Florida Unlicensed Practice of Law Everyone at some point or another, has come across people who claim to be something they are not. In the practice of law, this is a crime. If you have had dealings with someone who practices law or gives legal advice illegally, follow this link or call, they can help you. (Florida Bar Association).
Florida Bar Association General Public Query If you have had legal issues, need an attorney recommended, have questions regarding what an attorney's record is, or anything else in Florida, this is a great site.
Before we create a file, we require a contract/agreement to be signed by the client. This grants us the ability to represent the client as an agent. It allows us access to credit files, personal information contained within those files and other information relevant to the contractual terms of the agreement. We cannot begin work without the contract/agreement.
Also, because we cannot verify the veracity of all claims made by prospective clients, concerning fraud, inaccuracies, etc., there is a clause in our contract which indemnifies us against fraudulent claims by a client. The following is a step-by-step guide of what we do, how we do it and what the typical procedures are.
The Contract: The contract is an agreement clients enter into with our company. Inside are clauses stating what we as an agent will do and what a client is responsible for. Clients are advised to have an attorney explain our contract to them in the eventuality that the language is not understandable. Once signed, a 3-day grace period covers the contract. In this time, a client may cancel the contract. Clients wishing to cancel after the 3-day period may or may not be charged for our work, depending on work being completed and when the cancellation request was made. Once we begin our work, there is no way to stop it as we transmit electronically. Clients who cancel may be charged for work performed.
Our Due Diligence: As you can imagine we've heard it all, and usually it's all true. However, in all cases we perform a due diligence when taking on a new client. For this reason, we ask for identification, a copy of a social security card, the last 3 addresses lived at and other information relevant to the file we prepare. To the credit bureaus we are all numbers, to us each person is a universe. We must be sure the correct person is accessing their own file. Also, claims made by a client must be substantiated by client. In the eventuality that no documentation exists, the burden of proof lies with the client. The agreement indemnifies us from errors, omissions or fraudulent charges against creditors on behalf of our clients.
Online Transmittal: While many engage in letter writing campaigns, we transmit our claims electronically. The turnaround time is quicker and because we get paid for our work, not what we don't do, the proof is undeniable. We like things fast and we work extremely fast. Clients can expect a turnaround time of 30 minutes from the moment a contract is signed to the moment they receive notification in their email informing that a case has been created and on its way to the top 3 credit reporting bureau's.
Client Responsibility: While we work towards our client's goal, clients are expected to work with us. Creditors and Credit Reporting Bureau's will begin to send notifications, letters, documents. It is important that our clients copy us with these documents. While we act as an agent, we DO NOT have power of attorney, therefore we must rely on our client's relaying information to us in a timely manner. Also, clients must be able to make themselves available should any of the top 3 credit reporting bureau's require further information. This is especially important when disputing personal information contained in a file. We remind our clients that failure to comply with these requirements may result in voiding our guarantee and/or in us closing your file.
Our Awesome Guarantee: This is our favorite part. Our money back guarantee. Now, while some companies offer a guarantee with all kinds of holes in it, ours is, we are proud to announce, loophole and hidden fee, free. Our guarantee works like this: ACSCC of FLORIDA has 180 days (6 months) to correct a minimum of two inaccurately reported items on a credit file or, your money comes back in full. No hidden fees, no deductions, no nothing. Why 180 days? It can take between 3 and 6 months to see changes in a file. (Nothing is 'quick' and 'easy') and in that time ACSCC of FLORIDA must affect a minimum of 2 changes to any client's file. If we don't do this, our clients get their money back in full. Pretty cool, eh?
Our lowest price for comparable services guarantee: We will not only meet any competitors price, but we'll annihilate it. How it works is simple; a prospective client gets a quote for comparable services from any chartered, licensed and bonded entity and we will destroy it*. We plan on dominating the market through hard work and our commitment to excellence. This is part of that promise.
*Quotes must be either written or electronically submitted. Only original copies are acceptable.
All quotes MUST be from Incorporated, licensed and bonded credit repair organizations in good standing. We MUST be able to verify the existence of the entity, it's authorized agent and business address, furthermore the quote MUST encompass comparable services. We may reserve the right to investigate quotes prior to annihilation.
Billing: The FCRA and the FTC stipulates that no entity or person engaging in credit repair services may charge for work not completed (i.e., charged up front with no work done) for this reason our clients pay only for the work we do. We bill electronically, usually 1 to 20 days after we complete the creation of a file and submit it. Our billing is monthly, and we remind our clients it may take between 3 to 6 months to see changes on a credit file. Clients can cancel at any time yet depending on when a cancellation request is made, clients will be charged for past services rendered. Kind of like a utility bill.
Credit Score: We do not provide credit scores to our clients. We provide the links to free credit reports and suggest that clients use any of the free credit score apps available online or on mobile devices. Furthermore, we cannot promise a rise of credit scores because this is unrealistic and illegal. The FICO score works in a way we can explain but cannot predict. Companies also use other scores of their own to determine credit worthiness. This is like someone predicting what lottery numbers will be when the lottery is predicted by random mathematics. Any company that tells you they can predict rises to a score are engaging the consumer in misinformation.
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