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CFAG CREDIT MANAGEMENT

If you need help with credit repair or credit management, please call us today for a FREE initial consultation at 1-800-506-9691 ext 202

CAPITAL FINANCIAL ASSOCIATES GROUP L.L.C
P.O. BOX 772170, ORLANDO, FLORIDA 32877
Tel (800) 506-9691
Fax (407) 479-3470
Email info@cfagcredit.com

For Client Support, please call toll free: 1-800-506-9691 ext 201

Email CreditServices@cfagcredit.com

Frequently Asked Questions

• Can I cancel your credit repair service at any time?

You may cancel the service at any time; however, we ask that you give the repair process adequate time. While the retainer agreement covers the delivery of legal services one month at a time, for the best outcome, you should allow ample time for our work to show results. That means providing us with the necessary Credit Reports and sufficient time for our work to come to full fruition.

You can cancel our Credit Services at any time by calling Client Support at (800) 506-9691.

**Client satisfaction is extremely important to us and we will go to great lengths to keep you satisfied with our work and our progress. If you would like to get in touch with a CFAG representative please do not hesitate to contact us. We welcome your comments and feedback.

• How will I find out about my results?

You will receive all results first-hand by mail from the credit bureaus. You then forward the originals on to us for our next stage of work.

• How can bad credit be legally repaired? Is it legal?

It is your right and responsibility to assure the accuracy of the items on your Credit Reports. If information recorded on your credit reports does not accurately represent your behavior as a consumer, then you have the right to request that questionable information be removed from your reports. The Fair Credit Reporting Act (FCRA), the Fair Credit Billing Act (FCBA) and the Fair Debt Collections Practices Act (FDCPA) afford you the legal right to dispute inaccurate items on your credit reports with the credit bureaus and your individual creditors.

The most popular method for restoring bad credit is the credit bureau dispute. Because of the Fair Credit Reporting Act, you have the right to dispute and delete any items on your credit report that you feel are inaccurate, untimely, misleading, biased, incomplete or unverified.

When you dispute a questionable negative credit item with the Credit Bureaus, you are demanding that they perform an investigation to determine whether or not the item should be listed on your credit reports. If the credit bureau cannot verify the accuracy of the item, then they are required to correct the listing or completely delete it from your credit report.

Another facet of credit repair is to work with your creditors to remove the negative items from your credit reports. Your creditors have the ability to delete negative items from your credit reports at any time. With more cooperative creditors, sometimes all it takes is to ask the creditor to adjust or delete a negative credit listing. In situations where this non-confrontational approach is not sufficient, the various consumer protection acts provide you with tools for forcing creditors and collections agencies to prove the accuracy of the reported accounts.

By using some or all of their legal rights to fair and accurate credit reporting, thousands of people have legally and successfully restored their credit and increased their Credit Scores.

Consumer Credit File Rights under Federal and State law

You have the right to dispute inaccurate information in your creditreport by contacting the credit bureau directly. However, neither you nor any one else 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 bureau must provide some one 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 the right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits any deceptive practices by credit repair organizations. You have the right to cancel your contract with any credit repairorganization 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 the information on you credit file. The credit bureau must then reinvestigate, modify, or remove inaccurate or incomplete information. The credit bureau may not charge a fee for this service. Any information and copies of all documents you have concerning an error should be given to the credit bureaus. If the credit bureau’s investigation 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.

If you would like to get in touch with a CFAG representative please do not hesitate to contact us. We welcome your comments and feedback.

Capital Financial Associates Group, LLC
A Division of Capital Financial Services Associates, Inc.