Disclosures
CreditFixScore, LLC operates in compliance with the federal Credit Repair Organizations Act (CROA), the Fair Credit Reporting Act (FCRA), and the Florida Credit Service Organizations Act (Fla. Stat. Ch. 817, Part III). This page provides the mandatory disclosures required by law.
Federal Disclosures — Credit Repair Organizations Act
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 Organizations 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:
Federal Trade Commission, Public Reference Branch, Washington, D.C. 20580.
Florida-Specific Disclosures — Fla. Stat. §§ 817.7001 et seq.
In addition to the federal disclosures above, Florida law (Fla. Stat. § 817.703) requires the following:
- You have the right to review any file on you maintained by any consumer reporting agency, as provided under the Federal Fair Credit Reporting Act (15 U.S.C. §§ 1681–1681t).
- You may review your consumer reporting agency file at no charge if a request is made within 30 days after receiving notice that credit has been denied.
- You will be charged an approximate fee (typically $10–$20, depending on the bureau) for a copy of your file outside of the free review period.
- You have the right to dispute directly with a consumer reporting agency the completeness or accuracy of any item contained in your file.
- Accurate information cannot be permanently removed from the file of a consumer reporting agency.
- We will provide a complete and detailed description of the services to be performed and the total amount you will pay (or become obligated to pay) in your service agreement.
- You have the right to proceed against the surety bond or trust account required under Florida law.
Bond Information
We maintain compliance with Florida's surety bond or trust account requirements as a credit service organization. For bond details, contact us or the Florida Office of Financial Regulation.
Florida Address for Complaints
Florida Office of Financial Regulation
Division of Consumer Finance
200 East Gaines Street, Suite 520
Tallahassee, FL 32399-0376
Important Notices
No Guarantees
We do not guarantee the removal of any specific negative item or a specific improvement in your credit score. Results depend on the accuracy of information, responses from credit bureaus and creditors, and other factors. You have the right to dispute inaccurate information on your own, at no cost, directly with the credit bureaus.
No Upfront Fees
Consistent with federal and Florida law, we do not charge or accept payment for credit repair services before those services are fully performed.
Cancellation Rights
You may cancel this agreement without penalty within 3 business days (federal CROA) or as provided under Florida law by notifying us in writing. See your service agreement for exact procedures.
FCRA Compliance
We only access your credit reports with your explicit written authorization and use the information solely to provide the requested credit repair services.
Contact for Questions
Email: legal@creditfixscore.com
Phone: 888-29-MYSCORE (296-9726)
Mail: CreditFixScore, LLC, 2332 Galiano Street, FL 2, Coral Gables, FL 33134