Disclosures

Consumer Rights Under State and Federal Law

Under both federal and state 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 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.

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 re-investigate 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 re-investigation 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

NOTICE OF THE RIGHT TO CANCELLATION

RESIDENTS OF CA, FL, ID, LA, MN, NV, NH, NC, OK, PA, TN, UT, WA:

YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN FIVE (5) BUSINESS DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL THIS CONTRACT WITHIN FIVE BUSINESS DAYS, ANY PAYMENT YOU MADE UNDER THIS CONTRACT WILL BE RETURNED WITHIN TEN (10) DAYS AFTER THE DATE WE RECEIVED YOUR CANCELLATION NOTICE.

TO CANCEL THIS CONTRACT, MAIL, FAX, OR DELIVER A SIGNED DATED COPY OF THE CANCELLATION NOTICE CONTAINED IN THE WRITTEN CONTRACT, OR ANY OTHER WRITTEN NOTICE – NOT LATER THAN MIDNIGHT OF THE 5th BUSINESS DAY AFTER YOUR ENROLLMENT PAYMENT WAS MADE – TO CREDIT GENIE, LLC AT: 19390 COLLINS AVENUE, SUNNY ISLES BEACH, FL 33160.

RESIDENTS OF AL, AK, AZ, AR, CO, CT, DE, HI, IL, IN, IA, KY, MA, MD, MI, MS, MO, MT, NE, NJ, NM, NY, ND, OH, RI, SD, TX VT, VA, WV, WY:

YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, WITHIN THREE (3) BUSINESS DAYS AFTER THE DATE THE CONTRACT IS SIGNED. IF YOU CANCEL THIS CONTRACT WITHIN THREE BUSINESS DAYS, ANY PAYMENT YOU MADE UNDER THIS CONTRACT WILL BE RETURNED WITHIN TEN (10) DAYS AFTER THE DATE WE RECEIVED YOUR CANCELLATION NOTICE.

TO CANCEL THIS CONTRACT, MAIL, FAX, OR DELIVER A SIGNED DATED COPY OF THE CANCELLATION NOTICE CONTAINED IN THE WRITTEN CONTRACT, OR ANY OTHER WRITTEN NOTICE – NOT LATER THAN MIDNIGHT OF THE 3rd BUSINESS DAY AFTER YOUR ENROLLMENT PAYMENT WAS MADE – TO CREDIT GENIE, LLC AT: 19390 COLLINS AVENUE, SUNNY ISLES BEACH, FL 33160.

REFUND POLICY

At Credit Genie, LLC / CredittGeniee.com™, our refund policy entitles our clients 100% of all payments if:

  • You fully cooperated with all our requests for documents; and
  • No item is removed from your credit report within the first ninety (90) days; and
  • You completed all required terms of this Agreement.

Note: Certain state laws may limit or prohibit this guarantee.

Communication

Credit Genie, LLC / CredittGeniee.com™ methods of communication include Email, Fax, Telephone, and SMS messages for the purposes of conducting the services set forth.