In using our services, you will receive a CROA (Credit Repair Organization Act) compliant contract which includes:
- You have a 3 day right of rescission to cancel your contract.
- You can do credit repair yourself, you are not required to hire a firm to assist you.
- We have given you a summary of expectations of services we will perform, and the monthly price and total price of services you have agreed to pay. Note: the payment you have agreed to is not required to be paid upfront, instead it is paid in monthly installments, as we will have previously performed services on your behalf before requiring payment.
- We cannot and will not express, promise or make guarantee of timing or results.
- Clearly states we are assisting you in getting an accurate credit report. By doing so credit scores can go up or down.
- A copy of Consumer Credit File Rights Under State and Federal Law.
- Information on our surety bond.
- There is a refund policy within the contract. Click here to read it.
By law we cannot guarantee results of score increases or timing of results. We work persistently and passionately on our client’s behalf to get them as accurate credit reports as possible. However, due to the fact there are too many factors as to a client’s financial choices while we are assisting them; and/or if they are not as engaged in the process as clearly explained in the agreement, as it effects optimal results. Yet, we are also clear that full payment on our clients signed agreement is required within the timeline noted in agreement; regardless of results, timing of credit repair, client involvement, etc.
National Association Of Credit Service Organization
NASCO seeks to work with the FTC, and has recently adopted the following Consumer Net Impression Disclosure as part of its ongoing effort to do so.
Consumer Net Impression Disclosure
Credit Repair Organization’s goal is to provide credit repair services to ASSIST THE CONSUMER in achieving an accurate credit report. CONSUMER hereby acknowledges that Credit Repair Organization does not guarantee any specific outcomes or results on behalf of CONSUMER, but contracts to provide the specific list of services as more fully described herein. Credit Repair Organization does not charge for, nor shall Credit Repair Organization collect for, any services, until such services as detailed in the listed contracted services are fully provided. Credit Repair Organization does not contract for services to remove accurate and/or verifiable information from CONSUMER’S credit file. CONSUMER hereby acknowledges that active participation in providing Credit Repair Organization with all requested documents, forms, and information including investigation results, is essential to providing the credit services for CONSUMER. Credit Repair Organization does not provide tax, legal or financial advice. If you need any type of legal advice, you must contact a licensed professional.
For information about Fair Credit Reporting Act’s Furnisher Rule, see: https://www.ftc.gov/tips-advice/business-center/guidance/consumer-reports-what-information-furnishers-need-know.
Effective date: June 1, 2013
The Website uses a “cookie” to assign a unique identifier to your computer. The cookies we use are persistent files that your web browser places on your computer’s hard drive. Cookies may be used to help save information on past activities and other preferences, so that you are not required to reenter information each time that you visit the Website, and to deliver content specific to your interests. No personally identifiable information is gathered by the cookie.
We collect information through the use of Google Analytics (GA) for the purpose of evaluating the effectiveness of our website and search engine optimization. GA will collect information on web connections and end user information.
Information We Collect
The information that we collect is generally limited to personal information about you that you submit on the Website or we require later if you become a client. The personally identifiable information that may be collected includes: your name; address; email address; telephone number; fax number. Although if we are not collecting credit card information at this time, we reserve the right to do so in the future. To the extent that customer credit card-specific information is collected by our company and any of our affiliates and/or subsidiaries, said information will be kept in confidence and will not be shared with any third parties (other than consumer credit agencies) without the customer’s prior informed consent. Notwithstanding the foregoing, we and our affiliates and subsidiaries reserve the right to share with third parties the fact that they have credit card information on file for specific customers but they will not share this credit card information with third parties without the customer’s prior informed consent. Like most standard website servers, we use log files. Log files track anonymous user information including, but not limited to, Internet Protocol (“IP”) addresses, browser type, Internet Service Provider (“ISP”), referring/exit pages, platform type, date/time stamp, and number of clicks. This information is tracked in order to analyze trends, administer the Website, track users’ movements in the aggregate and gather broad demographic information for aggregate use. The information tracked via log files is not linked to personally identifiable information.
How We Use Your Information
Any personal information that you supply to us remains your personal property. However, by submitting that information to our company, you grant us the right to use your personal information for any legal purpose including, without limitation: a) providing promotional offers to you via email advertising and/or online banner advertising; b) transferring the personal information that you provided to a third party, when necessary, to receive a product, service, or information that you may have requested from such third party while using the Website (and/or under contract with Covenant); c) tracking compliance with our Terms and Conditions; and d) for validation, suppression, content improvement and feedback purposes. By submitting your information to the Website, you grant our company the right to use that information for marketing purposes, and agree to receive email marketing from the Website and/or Covenant Credit Repair. We may maintain separate email lists for different purposes. In order to end your email subscription to a particular list, you must follow the instructions contained in any email correspondence that you receive from us. Unsubscribing from one list will not automatically unsubscribe you from all email lists. We only send email marketing to individuals that have agreed, whether by visiting this Website or through third party websites, or personally informing us, to receive email marketing from us or who have become clients of Covenant Credit Repair. We do not send unsolicited bulk email. As a result, certain statutes, requiring particular formatting for unsolicited bulk email may not be applicable to the bulk email that is sent by our company. Though we make every effort to preserve user privacy, we may be required to disclose personal Information in some instances, such as: 1) when required by law wherein we have a good-faith belief that such action is necessary to comply with a judicial proceeding, court order, and/or subpoena; 2) in the event that our company is sold or acquired; or 3) in the event that we believe that the Website is being, or has been, used in violation of our terms and conditions or to commit unlawful acts. 4) If you become a Covenant Credit Repair client, you hereby consent to the disclosure of any record or communication to any third party when our company, in its sole discretion, determines the disclosure to be appropriate including, without limitation, sharing your email address with other third parties for suppression purposes in compliance with the provisions of the CAN-SPAM Act of 2003, as amended from time-to-time.
Sharing of Information
Our company provides you with the opportunity to receive special offers, products and/or services from other third-party companies. To receive such offers, products and/or services your personally identifiable information supplied to us during the registration process will be shared with such third-party companies so that they may provide the product or service to you that you have ordered from them without requiring that you first complete another registration form. By submitting your e-mail address at the Website you agree to receive e-mail marketing from our company and/or a third-party. We may share our user information and/or join together with other businesses to bring selected opportunities to our users. We are able to offer third party services to you, in part, based on your willingness to be reached by our third-party advertisers. In addition, you agree that such act constitutes a purchase, an inquiry and/or an application for purposes of the Amended Telemarketing Sales Rule, 16 C.F.R.