Live the Life YOU Deserve
Live the Life YOU Deserve

                  Know Your Rights As A Consumer



You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly.  However, neither you nor a 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 up to 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 violated 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 that 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


I confirm the fact that I agree and understand and acknowledge that I have received a copy of Consumer Credit File Rights.


  • Client agrees to maintain credit after credit analysis and credit repair is completed.
  • Client agrees to educational process on client’s finances and credit.
  • The work will not be completed until the total fee is paid in full.  Client can only be seen by appointment unless prior arrangements are made with consultant.  Work information will be submitted to the credit reporting agencies (CRA) after total payment is received.  Please allow 45 to 60 days for the credit reporting agencies to respond to client.
  • Client is responsible to submit results received from the three credit reporting agencies to Thomas & Associates SVCS, LLC via mail, email, fax or in person within 14 days once CRA information is received in the mail by client.
  • Client is asked NOT TO APPLY for credit during the six-month membership period without prior approval from consultant.
  • Consultant will review client’s credit progress at four months to determine and identify results.
  • Client has a right to cancel within three (3) days of initiating membership.  Early termination of services after the right to cancel or breach of policies and procedures constitutes no refund.
  • Client is responsible for contacting Thomas & Associates Svcs, LLC if you have not received any information from the credit reporting agencies.

I understand and agree to the above policies and procedures.




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