Consumer Credit Disclosures

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. You have a right to dispute inaccurate information by contacting the credit bureau directly.

You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

You have a right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it. Cancellation must be made in writing and is penalty-free.

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 incomplete 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: Consumer Response Center, Federal Trade Commission, Washington, D.C. 20580, or visit ftc.gov.

We can: Review your credit reports for inaccurate, incomplete, or unverifiable information and file FCRA-compliant disputes with credit bureaus on your behalf. We can communicate with creditors and provide guidance on credit-building strategies.

We cannot: Remove accurate, current, and verifiable information from your credit report. No credit repair company can legally do this. We cannot guarantee a specific credit score outcome, guarantee lender approval, or promise that any particular item will be removed.

Results depend on your individual credit file, the accuracy of disputed items, creditor responses, and credit bureau investigation outcomes, all of which are outside our control.

Reliable Credit Solutions operates as a Credit Services Organization (CSO) under the Texas Credit Services Organization Act. Texas law requires credit services organizations to register with the Texas Secretary of State and to maintain a surety bond or surety account for the benefit of consumers.

You have a right to proceed against the surety bond if Reliable Credit Solutions fails to fulfill its obligations under Texas law. Contact the Texas Secretary of State’s office for verification of registration status.

Nonprofit credit counseling services may be able to assist you with your credit situation at little or no cost. Before engaging any credit repair service, consider contacting:

• NFCC (National Foundation for Credit Counseling): nfcc.org · 1-800-388-2227
• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov · 1-855-411-2372
• AnnualCreditReport.com: annualcreditreport.com · Free credit reports from all three major bureaus

For questions about these disclosures, your rights, or to request a signed copy of this document:

Reliable Credit Solutions
El Paso, Texas
Contact us through our website