Last modified - 1/20/2020
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This Site is for informational and educational purposes only, and is intended to provide helpful, useful, and informative tools and material on the subjects addressed. Creditrepairclassroom.com does not provide legal, accounting, investment, financial, or any other kind of professional advice. To make sure that information or suggestions on this site fit your particular circumstances, you should consult with an appropriate professional before taking action based on any tools, suggestions, or information on this site. Creditrepairclassroom.com does not provide so-called “credit repair” services governed by the federal Credit Repair Organizations Act or similar state laws. Creditrepairclassroom.com does not, nor will not help you to obtain your credit report. Creditrepairclassroom.com does not give advice regarding “cleaning up” your credit record or credit history. Creditrepairclassroom.com does supply you with information, education services and tools so you may correct inaccurate information on your credit reports. You understand that you have the right to correct inaccurate information or non-verifiable information on your credit report for free.
Creditrepairclassroom.com does not control the content of your credit reports, which are based on your past or historical credit behavior, and we cannot change that information for you. Neither you nor anyone else has the right to have accurate, verifiable, and current information removed from your credit report. However, if information in your report is inaccurate or non-verifiable, you have the right to dispute it by contacting thecredit bureau on your own.
Interactive tools such as the CreditHelperTM and Acti-TrakkerTM are made available to you as information for your independent, personal use. We make no representations concerning, and do not guarantee, their accuracy or applicability to your circumstances.
CRC Strategies and creditrepairclassroom.com are not credit repair organizations of any kind. We are also not a law firm, and we provide no credit repair services, financial, or legal advice. We make no representation, warranty or promise as to any particular or general outcome resulting from your use of this website or the tools or information contained in it. There is no guarantee that your use of the tools or information found on this site will produce your personally desired results or cause you to have an improved credit rating.
Testimonials or other endorsements that may be found on this site may ASSOCIATED WITH, AND ARE NOT ENDORSED BY ANY CREDIT BUREAU, CREDIT MONITORING COMPANY, OR CREDITOR, including but not limited to Equifax, Experian, Trans Union or annualcreditreport.com, and no rights are granted regarding their trademarks, domain names or other intellectual property. Consumers have the right to have inaccurate, old, and non-verifiable information removed from their Credit Report.
This website provides certain information about the law. But legal information is not the same as legal advice — the application of law to an individual’s specific circumstances. We recommend you consult a lawyer if you want legal advice applicable to your personal situation.
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 are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
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. Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes do 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, incomplete, or non-verifiable information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
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
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