Turbocredit Terms of Use
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
TurboCredit is a credit repair solution that provides consumers with the services to perform all aspects of the credit repair process for them. By working with TurboCredito, you agree to the Terms of Use and Privacy Policy.
Authorizations
You authorize TurboCredit to access your credit report and score information, as well as your credit monitoring account credentials, and to access your credit monitoring account for the purpose of retrieving and updating your credit reports and scores.
Resources
Educational videos and articles provide expert tips and instructions on how to improve, build and maintain great credit.
TurboCredit LLC Contact Information
Telephone: (786) 334 4135 Email: Info@TurboCredit.Us
TERMS OF THE AGREEMENT
1. This agreement shall be for a term of 6 months and renewable upon terms and conditions agreed to in writing between Client and Company
2. The Company is not making any claims or guaranteed results.
3. The Company does not claim to be a Law firm
4. The Client agrees to pay as follows:
* An initial payment of $300 is due upon execution of the contract, is required to initiate the commencement of work.
* Payment of $100 per removed derogatory mark and $20 per removed inquiry is required.
* Subsequently, monthly payments will be made for services rendered.
* No charges will apply if no services are provided during any given month.
The Company has not advised the Client to make any statement which is untrue or misleading (or which, upon the exercise of reasonable care, should be known by the credit repair organization, officer, employee, agent, or other person to be untrue or misleading) concerning any consumer’s credit worthiness, credit standing, or credit capacity to any reporting agency as defined in section 1681a(f) of CROA, or any creditor.
2. The Company has not advised the Client to make any statement, or counsel or advise any consumer to make any statement, the intended effect of which is to alter the consumer’s identification to prevent the display of the consumer’s credit record, history, or rating to conceal adverse information that is accurate and not obsolete to any consumer’s credit worthiness, credit standing, or credit capacity to any reporting agency as defined in section 1681a(f) of CROA, or any creditor.
3. The Company has not advised the Client to engage, directly or indirectly, in any act, practice, or Course of business that constitutes or results in the commission of, or an attempt to commit, a fraud or deception on any person.
4. The Company guarantees an improvement in the credit history of the Client as well as an increase in the credit score. The Company cannot guarantee a specific time frame or score increase. The Company estimates that the effects of the process shall be reflected within the first 60 days. This guarantee shall be without effect if the Client applies for credit while the process is ongoing or requests the same services from a similar Company, disputes derogatory information on his/her own without notifying the Company, fails to provide bureau responses or updated credit reports for two months or fails to comply with the terms of this contract.
5. The Client has been notified of his rights under the “Consumer Credit File Rights Under State and Federal Law.”
6. That the fees charged by the Company are for performing the following duties:
• Performing an extensive credit report and credit file analysis.
• Advise the Client of any discrepancies on the credit report.
• Assist the Client in drafting letters to dispute such discrepancies.
7. To continue with this agreement, the Client must send the Company updated credit reports by mail, email, or fax.
8. The Client may cancel this contract before midnight on the fifth day after the Transaction Date. See the attached notice of cancellation form for an explanation of this right.
9. The Client acknowledges that the Company is not a legal firm, and their consultants are not attorneys.
10. The Client agrees to hold the Company harmless from any claims or suits by a third party arising from the Client disputing their derogatory information.