FCRA Disclosure

1. Understanding Your Rights Under FCRA

The Fair Credit Reporting Act (FCRA) is a federal law that promotes accuracy, fairness, and privacy of information in the files of consumer reporting agencies. As a consumer, you have specific rights under the FCRA, including:

• Right to Know: You have the right to know what is in your credit file
• Right to Dispute: You can dispute inaccurate or incomplete information
• Right to Accuracy: Credit bureaus must investigate and correct errors
• Right to Privacy: Your information cannot be shared without your consent
• Right to Limits: Information older than 7-10 years must be removed

2. How Credit Repair Works

Our credit repair services help you exercise your legal rights under the FCRA. We assist by:

• Reviewing your credit reports for inaccurate information
• Filing formal disputes with credit bureaus on your behalf
• Challenging incorrect negative items
• Ensuring bureaus investigate disputes within required timeframes
• Providing ongoing credit monitoring and guidance

3. What We Cannot Do

• We cannot guarantee a specific credit score result
• We cannot remove accurate, legitimate information
• We cannot promise results within a specific timeframe
• We cannot perform services before you pay (in most cases)

4. Time Required for Results

Credit repair is a process that typically takes 3-6 months, depending on:

• Number of disputes to file
• Complexity of your credit history
• Response time from credit bureaus (30-45 days per dispute)
• Whether creditors verify or delete information
• Your willingness to follow guidance

5. Your Responsibilities

For the best results, you must:

• Provide accurate and complete information
• Review and sign all dispute documents promptly
• Make payments as agreed
• Maintain communication with your credit specialist
• Follow budget and credit advice provided
• Not continue to incur new negative credit

6. Contract Information

Before signing up for services, you will receive a written contract that includes:

• A clear description of all services to be performed
• Total cost and payment terms
• Estimated timeframe for results
• Any guarantees or promises made
• Cancellation and refund policies

7. Three-Day Cancellation Right

Under CROA, you have the right to cancel your contract within three (3) business days for a full refund. To cancel:

• Notify us in writing before the deadline
• Send written notice via certified mail, return receipt requested
• Or email us at cancellation@rjbusinesssolutions.com

8. Additional Resources

For more information about your credit rights, contact:

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov
• Federal Trade Commission (FTC): ftc.gov/complaint
• AnnualCreditReport.com: Free annual credit reports
• State Attorney General: Your state's consumer protection office

9. Questions or Complaints

If you have questions about this disclosure or believe your rights have been violated, please contact us:

RJ Enterprise Credit CRM
1342 NM 333
Tijeras, New Mexico 87059
Email: compliance@rjbusinesssolutions.com
Phone: (505) 555-0123