IMPORTANT DISCLOSURE STATEMENT

As a consumer, you possess significant rights under both state and federal legislation concerning your credit file and credit reporting. [Company Name] is committed to ensuring you understand these fundamental rights so you can make well-informed decisions regarding your credit profile and overall financial health.

YOUR FUNDAMENTAL RIGHTS UNDER THE LAW:

Right to Challenge Inaccurate Information

You have the legal right to dispute any inaccurate, incomplete, or outdated information contained in your credit report by contacting the appropriate credit reporting agency directly. Important Note: No individual or organization can lawfully remove accurate, current, and verifiable information from your credit report. Valid negative information generally remains on your credit report for seven (7) years, while bankruptcy filings may be reported for up to ten (10) years.

Right to Access Your Credit Information

You are legally entitled to obtain a copy of your credit report from any credit reporting agency. While a reasonable fee may be charged, you are entitled to receive a free credit report under the following circumstances:

• You have been denied credit, employment, insurance, or rental housing within the preceding 60 days based on information in your credit report
• You are currently unemployed and intend to seek employment within the next 60 days
• You are receiving public welfare assistance
• You have reason to believe your credit file contains inaccuracies due to fraud or identity theft
• You are entitled to one free report annually from each of the three major credit bureaus

The credit reporting agency is legally obligated to provide assistance in helping you understand your credit report when requested.

Protection from Fraudulent and Deceptive Practices

Under the Credit Repair Organizations Act (CROA) and other consumer protection laws, you have the right to take legal action against any organization that engages in deceptive, fraudulent, or misleading practices. Federal law strictly prohibits false claims or deceptive services by credit repair companies.

Right to Cancel Credit Repair Services

If you enter into any agreement for credit repair services, you maintain the right to cancel such contract without penalty or financial obligation by midnight of the third business day following the date you signed the agreement. A separate "Notice of Right to Cancel" document will be provided with your contract, detailing the specific procedures for exercising this cancellation right.

Right to Self-Dispute Credit Report Errors

You have the option to dispute inaccurate information in your credit file independently by corresponding directly with the credit reporting agency. The agency is legally required to reinvestigate your dispute and either correct or remove any inaccurate or incomplete information. This service is provided at no cost to you. When submitting a dispute, include all relevant documentation or information that supports your claim. If the reinvestigation does not satisfactorily resolve your dispute, you have the right to add a written statement of up to 100 words to your credit file explaining your position. The credit bureau must include this statement, or a clear summary of it, in all future credit reports that contain the disputed information.

ADDITIONAL CONSUMER PROTECTIONS:

Right to Know Who Has Accessed Your Credit Report

You have the right to know who has obtained copies of your credit report within the past year (or two years for employment purposes).

Right to Opt-Out of Pre-Approved Credit Offers

You may choose to remove your name from credit bureau marketing lists by calling 1-888-5-OPTOUT (1-888-567-8688) or visiting www.optoutprescreen.com.

Identity Theft Protection Rights

If you are a victim of identity theft, you have special rights including the ability to place fraud alerts and security freezes on your credit reports.

FEDERAL REGULATORY OVERSIGHT:

The Federal Trade Commission (FTC) provides oversight of credit reporting agencies and credit repair organizations to safeguard consumers against deceptive and unfair business practices.

For additional information or to file a complaint, contact: Consumer Response Center
Federal Trade Commission
600 Pennsylvania Avenue, NW
Washington, D.C. 20580
Phone: 1-877-FTC-HELP (1-877-382-4357)
Website: www.ftc.gov

STATE-SPECIFIC RIGHTS:

Depending on your state of residence, you may have additional rights beyond those provided by federal law. Some states provide enhanced protections regarding credit reporting, identity theft, and credit repair services. Contact your state's Attorney General's office or consumer protection agency for information about state-specific rights.

IMPORTANT: This disclosure is provided to inform you of your rights and is not intended as legal advice. If you have specific questions about your rights or need legal assistance, consider consulting with a qualified attorney who specializes in consumer credit law.

This disclosure statement complies with federal requirements under the Fair Credit Reporting Act (FCRA), Credit Repair Organizations Act (CROA), and other applicable consumer protection laws.