Credit Consultants USA Privacy Policy

We respect your privacy!
Any and all information collected at this site will be kept strictly confidential and will not be sold, reused, rented, loaned, or otherwise disclosed. Any information you give to Credit Consultants USA will be held with the utmost care, and will not be used in ways that you have not consented to.

Resale or disclosure of information to third parties:
Credit Consultants USA does not sell, rent, loan, trade, or lease any personal information collected at our site, including membership forms or email lists.

Browser information collected on the website:
Our website logs are not personally identifiable, and we make no attempt to link them with the individuals that actually browse the site.

Notice:
By requesting our services, you agree to receive e-mail from us. We will occasionally send you information about updates to your file. You may remove yourself from these mailings at any time, by letting us know if you would rather be notified via U.S. Mail or via telephone.

Notice of Online Results Tracking:
By requesting our service, you agree to allow the online tracking of your results by companies providing you services. A complete list of all companies tracking your results are listed on the main page after logging into your online results tracking account. You may change, add, and remove companies ability to monitor your results at any time, by letting us know either via U.S. Mail, via telephone, or via E-Mail.

Credit Repair Organization Act Requires any consumer who enters into any contract with any credit repair organization to be given (1) a copy of the completed contract and the disclosure statement required under section 405 and (2) a copy of any other documents the credit repair organization requires the consumer to sign, at the time the contract or the other document is signed.

Disclaimer Implied or expressed guarantees do not apply; Credit Consultants USA will honor this guarantee only: While Credit Consultants USA can not guarantee a complete restoration of your credit; we do guarantee and state that we will IMPROVE your credit. If we fail to do so, we will refund our fees. Please note: if documentation requested from you, by us for the credit repair, is not forwarded to our office or there are any addition of new derogatories the refund policy will be voided. Client agrees to pay bills on time; not paying bills on time will result in new Derogatories voiding the refund policy. In addition client agrees to forward all correspondence received from the three Credit Bureaus to the processing center within 14 days of receipt. Failure to do so will result in the voiding of the refund policy.

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 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 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: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580

As a courtesy to our clients we want you to be aware of your rights:

SEC. 407. RIGHT TO CANCEL CONTRACT

(a) In General. -- Any consumer may cancel any contract with any credit repair organization without penalty or obligation by notifying the credit repair organization of the consumer's intention to do so at any time before midnight of the 3rd business day which begins after the date on which the contract or agreement between the consumer and the credit repair organization is executed or would, but for this subsection, become enforceable against the parties. You may cancel this contract, without any penalty or obligation, at any time before midnight of the 5th day which begins after the date the contract is signed by you. To cancel this contract, mail or deliver a signed, dated written notice to Credit Consultants USA before midnight on the 5th business day.

It is further understood that you will not open any new accounts or apply for credit until this process is complete, for this will affect your scores.

Severability
If any provision of this Agreement shall be held to be invalid or unenforceable for any reason, the remaining provisions shall continue to be valid and enforceable. If a court finds that any of this Agreement is invalid or unenforceable, but that by limiting such provision it would become valid or enforceable, then such provision shall be deemed to be written, construed, and enforced as so limited.

Credit Consultants USA Refund Policy and Guarantee
The Credit Consultants USA Team strives to exceed the expectations of all of our clients. To honor this goal and back our promise to you, we offer a FULL REFUND POLICY. Your account is considered processed after we have received your initial payment, all your signed paper work, and all three credit bureau report files. If you do not see any results at the end of your first 90 days we will refund 100% of any collected monies. All refunds are subject to a two-week review during which time we may require you to send in any new credit reports and any and all correspondence you have received from the credit bureaus.

Terms and conditions may be updated without prior notice.