Credit Repair Disclosure

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 creditors report information accurately. 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 unverified information, usually within 30 days unless you provide additional relevant information, in which case the credit bureau may take up to 45 days. 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 your statement about disputed information in a report it issues about you.

The Federal Trade Commission publishes information about credit repair and consumer rights. You may contact the FTC at 600 Pennsylvania Avenue NW, Washington, DC 20580, or at consumer.ftc.gov.

What Lifeify does

Lifeify is a credit repair organization as defined under federal law. We provide the following services:

• Reviewing your credit reports from Equifax, Experian and TransUnion with you, and explaining what each item is and how it affects your file
• Identifying information that appears inaccurate, incomplete, outdated or unverifiable
• Preparing and sending disputes to the applicable credit bureaus on your behalf
• Tracking bureau responses and deadlines, and escalating with follow-ups and reinvestigation requests where appropriate
• Providing credit education so you understand how credit reporting and scoring work
• Negotiating outstanding collection accounts on our Premium plan, including creditor and collector validation letters where appropriate

What Lifeify cannot do

We want to be direct about this, because the law requires it and because you deserve an honest answer before you spend any money.

• We cannot remove accurate, current and verifiable information from your credit report. No credit repair company can. If a negative item is accurate and the furnisher can verify it, it stays until it ages off.
• We cannot guarantee a specific credit score, a specific score increase, or a specific number of removals. Any company that promises you a number is making a claim it cannot support.
• We cannot guarantee that you will qualify for a loan, a mortgage, a credit card or a particular interest rate. Those decisions belong to lenders and depend on income, debt, down payment and other factors as well as credit.
• We cannot create a new credit identity for you. Advice to apply for an EIN or CPN and use it in place of your Social Security number is advice to commit fraud. We will not do it, and you should walk away from anyone who offers it.
• We cannot make bankruptcies, judgments or other accurate public record information disappear before the reporting periods described above expire.

How long the reporting periods last

Under the Fair Credit Reporting Act, most accurate negative information may be reported for up to 7 years. Bankruptcy information may be reported for up to 10 years. These periods apply whether or not you work with a credit repair organization.

Your right to cancel

You have the right to cancel your contract with Lifeify, for any reason, within 3 business days of the date you signed it, without any charge or obligation. To cancel, notify us in writing at the address or email below within that period.

For cancellation after the 3-day period, see our Cancellation Policy.

Your contract and your file

Before we begin work, you will receive a written contract setting out the services to be performed, the terms and conditions of payment including the total amount you will pay, and an estimate of how long the services will take. You will also receive a copy of this disclosure to keep.

You may request a copy of your file and the status of your disputes at any time.

Filing a complaint

If you believe a credit repair organization has violated your rights, you may contact:

• Federal Trade Commission — reportfraud.ftc.gov
• Consumer Financial Protection Bureau — consumerfinance.gov/complaint
• California Attorney General — oag.ca.gov

Results and individual outcomes

Credit repair results vary from person to person and depend on the accuracy and verifiability of the items on your report, how furnishers respond, and your own credit activity during the process. Any figures, examples or illustrations shown on this website are examples only and are not a promise or prediction of your results. Individual results vary.