Whatcom Credit Restoration, LLC
2219 Rimland Dr.
Bellingham, WA 98226
Client Information Statement
This information statement is required by Washington State Revised Code of Washington (RCW) Chapter 19.134 – Credit Services Organization Act.
You have a right to review any file on you maintained by any consumer reporting agency, as provided under the federal Fair Credit Reporting Act, 15 U.S.C. Secs. 1681 through 1681t.
You may review your consumer reporting agency file at no charge if a request is made to the consumer credit reporting agency within thirty days after receiving notice that credit has been denied.
You may be charged approximately $8.00 (eight US dollars) by the consumer reporting agency to review your consumer reporting agency file.
You have a right to dispute the completeness or accuracy of any item contained in any file of yours maintained by any consumer reporting agency.
Whatcom Credit Restoration (CSO) will
Evaluate your current credit bureau reports with you, as listed with applicable credit reporting agencies and to identify inaccurate, erroneous, false, or obsolete information identified by
client. To advise you as to the necessary steps to be taken on the part of you in conjunction with CSO to dispute any inaccurate, erroneous, false or obsolete
information contained in the Client’s credit bureau reports.
To prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in Client’s credit reports.
Review credit profile status and updated credit profiles from the credit bureaus such as: Experian, Equifax and Transunion. Consulting, coaching, and monitoring services are conducted
by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
CSO will provide a Good Faith Estimate of fees.
You have the right to proceed against CSO’s bond or trust account required under RCW 19.134.020 for violations of RCW Chapter 19.134 – Credit Services Organization Act.
CSO’s bond is issued by:
Hudson Insurance Company, 1035 Greenwood Blvd., Suite 265, Lake Mary, FL 32746
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 five (5) 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".
Please acknowledge your receipt of Client
Information Statement and Consumer Credit File Rights Under State and Federal
Law by electronically signing the form indicated below.
Acknowledgment of Receipt of Notice
I acknowledge with my digital signature, receipt of Client Information Statement and Consumer Credit File Rights Under State and Federal Law. I confirm the fact that I agree
and understand what I am signing and acknowledge that I have received a copy of my Consumer Credit File Rights.
*Digital Signatures: In 2000, the U.S. Electronic Signatures in Global and National Commerce (ESIGN) Act established electronic records and signatures as legally binding, having the same legal effects as traditional paper documents and handwritten signatures. Read more at the FTC
web site: http://www.ftc.gov/os/2001/06/esign7.htm