COLEMAN FINANCIAL FIRM LLC

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CONSUMER CREDIT FILE RIGHTS

Required Disclosure Under the Credit Repair Organizations Act (CROA)

 

IMPORTANT — READ BEFORE SIGNING ANY CONTRACT

 

This document is required by federal law (15 U.S.C. § 1679 et seq. — the Credit Repair Organizations Act). You must receive and review this disclosure BEFORE you sign any contract with Coleman Financial Firm LLC or pay any fees.

 

YOUR RIGHTS UNDER FEDERAL LAW

 

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. There is no fee for doing so.

 

The credit bureau must investigate your dispute within 30 days (or 45 days in some cases) and inform you of the result.

 

If an item is found to be inaccurate or cannot be verified, the credit bureau must correct or delete it.

 

You can dispute directly with each bureau at no cost:

 

Equifax

Experian

TransUnion

equifax.com

1-800-685-1111

experian.com

1-888-397-3742

transunion.com

1-800-916-8800

 

WHAT CREDIT REPAIR COMPANIES CAN AND CANNOT DO

 

WE CAN

• Dispute inaccurate or unverifiable items on your behalf

• Review and analyze your credit reports

• Provide credit education and coaching

• Send goodwill letters on your behalf

• Track disputes and communicate outcomes

WE CANNOT

• Dispute inaccurate or unverifiable items on your behalf

• Review and analyze your credit reports

• Provide credit education and coaching

• Send goodwill letters on your behalf

• Track disputes and communicate outcomes

• Guarantee any credit score increase

• Promise removal of accurate negative items

• Collect payment before services are performed

• Create a new credit identity for you

• Advise you to misrepresent facts to credit bureaus

 

YOUR RIGHT TO CANCEL

 

3-BUSINESS-DAY RIGHT TO CANCEL

 

You have the right to cancel the Credit Repair Service Agreement without any penalty or obligation within THREE (3) BUSINESS DAYS from the date you signed the contract.

 

To cancel, notify us in writing by:

 

• Email to the contact address on your Agreement

• Written notice delivered to our business address

 

A separate Notice of Right to Cancel has been provided. Please sign and keep a copy.

 

COMPLAINTS & REGULATORY CONTACTS

 

If you believe your rights have been violated, you may contact:

 

• Consumer Financial Protection Bureau (CFPB): consumerfinance.gov  |  1-855-411-2372

• Federal Trade Commission (FTC): ftc.gov  |  1-877-382-4357

• Florida Office of Financial Regulation: flofr.gov  |  1-850-487-9687

• Florida Attorney General: myfloridalegal.com  |  1-866-966-7226

 

CLIENT ACKNOWLEDGMENT

 

I acknowledge that I have received, read, and understood this Consumer Credit File Rights disclosure as required by the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). I understand my rights and have received this disclosure BEFORE signing any contract or making any payment.

 

Coleman Financial Firm LLC  |  Weston, FL  |  colemanfinancialfirm.com