Disclosures, privacy & terms.
The statement below is the disclosure federal law requires a credit repair organization to give you, in writing, before any contract is signed. You receive it separately as its own document; this is a reference copy.
Draft — requires review by counsel before launch. Prepared for Mac Financial MGMT LLC. Not legal advice. A licensed attorney must review this page, the contract, the fee timing, and state registration and bonding obligations in every state served before the first client is taken. See the compliance framework this is built on.
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, or receive it free under circumstances specified by law — including if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your report within the preceding 60 days. You are also entitled to receive a free copy of your 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 your report contains inaccurate information 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 unverified information, usually within 30 days.
You may, on your own, request the removal of inaccurate or unverified information at no cost. The credit bureau may charge a reasonable fee for providing you with a copy of your report where you are not otherwise entitled to one free of charge.
Free annual reports from all three nationwide bureaus are available at annualcreditreport.com, the site authorized by federal law. Complaints about credit repair companies may be filed with the Consumer Financial Protection Bureau, the Federal Trade Commission, or your state attorney general.
What your contract will contain
Federal law requires specific terms in writing before you sign (15 U.S.C. § 1679d(b)). Yours will state: the terms and conditions of payment including the total amount of all payments you will make; a full and detailed description of the services to be performed and the estimated period in which they will be performed; our legal name and principal business address; and, in bold type near the signature line, the statement that you may cancel without penalty or obligation before midnight of the third business day after signing. Two copies of the Notice of Cancellation come attached.
What we do and do not promise
We do not guarantee any specific credit score, any specific outcome, the removal of any specific item, or any particular timeframe. We do not and cannot remove accurate, current, and verifiable information from a credit report. Results vary by file and depend heavily on your own payment behavior and balances during the program.
We are not a law firm, and nothing on this site or in our program is legal advice. We are not a lender, and enrolling does not guarantee any credit approval.
Fees and billing
We do not charge or receive money for any service before that service is fully performed. Enrollment costs $0. The Credit Readiness Consultation fee is charged only after the written readiness report has been delivered to you. Each monthly fee is charged only after that month's round of work has been performed. There is no term contract; you may cancel at any time and will not be billed for work not yet performed.
Third-party costs — credit monitoring subscriptions, secured card deposits, certified mail you elect to send — are paid by you directly and are not part of our fee.
Privacy
We collect only what the work requires: your identifying information, proof of address, and credit report data. We use it to perform the program you enrolled in, and for nothing else.
We do not sell your personal information. We share it only with the credit bureaus, furnishers, and service providers necessary to perform the work, or where required by law. We retain your file for as long as applicable record-keeping law requires and then dispose of it securely.
You may request a copy of the information we hold about you, or ask us to delete it, by writing to enroll@thecrcp.com. Sensitive identifiers are never requested by email or through the form on this website.
Terms of use
This website is informational. Nothing here is an offer of credit, a guarantee of results, or the formation of a client relationship. A client relationship begins only when you have received the written disclosure statement above and signed a written contract with us.
Content on this site is provided as-is and may change. Links to third-party sites are for convenience and are not endorsements.
Questions about anything on this page: enroll@thecrcp.com · Mississippi, USA