TERMS AND CONDITIONS
Customer's Obligation to Creditciti
1. Provide CREDITCITI with personal credit information, credit bureau reports, and/or authorizes CREDITCITI or to obtain credit reports on customers behalf.
2. Immediately notify CREDITCITI of any changes of address.
3. Identify in writing any accurate negative information which you believe to be true, so that we can be sure not to dispute such item/items as per the Fair Credit Reporting Act.
4. Immediately forward all correspondence received from the credit reporting agencies to CREDITCITI, and to notify CREDITCITI if final credit investigation reports have not been received within sixty days after customer receives the above referenced initial correspondence.
Customer Cost And Payment
Payment will not be processed until services are rendered. Customer acknowledges that they have the right to verify by contacting CREDITCITI. If we do not better your credit profile by the end of the term and you have not had any new derogatory items on your credit, we will refund the total cost of our services.
Limited Power of Attorney
I do hereby grant a limited power of attorney to CREDITCITI and any persons of their employ or designees for the express purpose of preparing and signing all documents written with the intent of challenging and/or verifying information contained in the files maintained by the following consumer credit reporting bureaus: Equifax, Experian and TransUnion.
Privacy Disclosure Notice
I authorize CREDITCITI to release my general information, such as my name, telephone number and current address for the sole purpose of offering their services in regards to enhancing my personal credit profile. I understand that the business name above has no liability in this matter and is acting solely as the distributer of my general information at my request. I agree that CREDITCITI is authorized to release my information from time to time regarding the status of my total number of public records, total number of inaccurate credit amounts in my credit report and details of my credit restoration.
Consumer Credit File Rights Under State And Federal Law
You have the right to dispute inaccurate information in your credit report by contacting the credit bureaus 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 bureaus must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported up to 10 years. You have the 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 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 or 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. Credit bureaus are required to follow reasonable procedures to insure 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 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 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 to you. The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, and Washington, D.C.
Notice of Cancellation
You may cancel without any penalty or obligation at any time prior to midnight of the third business day after the contract is signed. If you cancel, any payment received by CREDITCITI will be returned within 10 days following receipt of your cancellation notice.
CONFIDENTIALITY AND SECURITY OF CLIENT INFORMATION
We will not, under any circumstances sell or give your information to any third party, PERIOD. Your information is safe with us.
What Information Do We Collect?
When you visit our Web site you may provide us with two types of information: personal information you knowingly choose to disclose that is collected on an individual basis and Web site use information collected on an aggregate basis as you and others browse our Web site.
How Do We Use the Information That You Provide to Us?
Broadly speaking, we use personal information for purposes of providing customer service and making available other products and services to our customers and prospective customers. Occasionally, we may also use the information we collect to notify you about important changes to our Web site, new services and special offers we think you will find valuable. You may notify us at any time if you do not wish to receive these offers by emailing us.
Sharing Information with Third Parties
We will not share any of your information with third parties for marketing purposes of any type, period.
We may disclose your personal information if required to do so by law or subpoena or if we believe that such action is necessary to (a) conform to the law or comply with legal process served on us or Affiliated Parties; (b) protect and defend our rights and property, the Site, the users of the Site, and/or our Affiliated Parties; (c) act under circumstances to protect the safety of users of the Site, ourselves, or third parties.
What About Other Web Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from our Web site nor the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site.
Accepted Forms of Payment
We accept cash, checks, or any of the credit cards listed below.