Required Federal Disclosure
Consumer Credit File Rights Under State and Federal Law
The following notice is required by the Credit Repair Organizations Act (15 U.S.C. § 1679c) and must be provided to you before you sign a contract with any credit repair organization.
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. There is no fee for this. Everything a credit repair organization can do for you, you can also do for yourself. There is no need to pay a third party to dispute inaccurate information in your credit report.
You have a right to obtain a copy of your credit report from a consumer reporting agency. 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 consumer reporting agency 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 consumer 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
Consumer Response Center — FCRA
Washington, D.C. 20580
ftc.gov
Your Right to Cancel
You may cancel your contract with Tailor Your Credit, without any penalty or obligation, at any time before midnight of the 3rd business day after the date the contract is signed by you. To cancel, you must notify Tailor Your Credit in writing. If you cancel, Tailor Your Credit must refund all money paid within 15 days of receiving your written cancellation notice.
Important Limitations
Neither Tailor Your Credit nor any 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 only if it is more than 7 years old. Bankruptcy information can be reported for 10 years. Tailor Your Credit disputes only items that are inaccurate, incomplete, outdated, or unverifiable — not items that are accurate and current.
Tailor Your Credit — Angelo Garay — Phoenix, Arizona. This disclosure is provided pursuant to 15 U.S.C. § 1679c (Credit Repair Organizations Act) and A.R.S. § 44-1705 (Arizona Credit Services Organizations Act).