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. However, a recent federal law, the Fair and Accurate Credit Transactions Act (FACT) allows you to get one (1) free credit report every twelve (12) months. This free credit report can be accessed athttp://www.annualcreditreport.com/. 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 Organization 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 five (5) 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 re 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 re investigation 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:
The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580
Revival Solutions' experts go above and beyond working to remove negative and erroneous credit report items. Upon enrollment we will coach you to maximize the positive elements of your credit score. Your credit score is made up of five major factors, two of them having the greatest impact: the negative items that hold your score down and the positive aspects that bring your score up. While working to remove the inaccurate negative items on your credit report, our tips, recommendations and ongoing positive credit coaching will give you the credit knowledge to maximize all you can out of the positive elements. We strive to be the best in the industry when it comes to helping your credit scores succeed.
REQUIREMENT TO INFORM CUSTOMER OF THEIR RIGHTS CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
Negative Item Removal:
Revival Solutions goes to work for you! We go directly to the three major credit bureaus to insure the best results. The credit experts at Revival Solutions use their entire tool belt to dispute, investigate and work to remove inaccurate derogatory tradelines. We strategically draft our disputes to take full advantage of consumer protection laws. If thought to be in error, we can dispute and investigate all types of negative credit items including:
*Collections *Tax liens
*Bankruptcy trade lines *Medical related items
*Late pay history *Divorce related items
*Charge offs *ID fraud/theft
*Judgments *Foreclosures/short sales
CALL FOR PRICING
One time credit coaching fee
Monthly service fee
Revival Solutions has a cancel anytime policy making it your choice for how long you want to use our services.