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Privacy Policy

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. 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. 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 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 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 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”.

 

(b) Separate statement requirement

The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.

 

(c) Retention of compliance records

 

(1) In general

The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.

 

(2) Maintenance for 2 years

The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.

Privacy Policy

We collect the e-mail addresses of those who communicate with us via e-mail, aggregate information on what pages consumers’ access or visit, and information volunteered by the consumer (such as survey information and/or site registrations). The information we collect is used to improve the content of our web pages and the quality of our service.

We transfer information about you if Care Credit Repair or Care Credit Repair is acquired by or merged with another company. In this event, Care Credit Repair will notify you before information about you is transferred and becomes subject to a different privacy policy.

 

INFORMATION GATHERING and USAGE

When you register for Care Credit Repair we may ask for information such as your name, company name, email address, billing address and credit card information. 

 

COOKIES

A cookie is a small amount of data, which often includes an anonymous unique identifier, which is sent to your browser from a web site's computers and stored on your computer's hard drive.

Cookies are required to use the Care Credit Repair service.

We use cookies to record current session information. You are required to log-in to your Care Credit Repair Site after a certain period of time has elapsed to protect you against others accidentally accessing your account contents. We also use cookies for advertising across our site and on other sites. 

 

DATA STORAGE

Care Credit Repair uses third party vendors and hosting partners to provide the necessary hardware, software, networking, storage, and related technology required to run Care Credit Repair. 

 

DISCLOSURE

Care Credit Repair may disclose personally identifiable information under special circumstances, such as to comply with subpoenas or when your actions violate the Terms of Service.

It may be necessary to share information in order to investigate, prevent, or take action regarding suspected or actual illegal activities, including without limitation, fraud.

 

CHANGES

Care Credit Repair may periodically update this policy. We will notify you about significant changes in the way we treat personal information by sending a notice to the primary email address specified in your Care Credit Repair primary account holders account or by placing a prominent notice on our site.

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