INFORMATION STATEMENTS AND DISCLOSURES

Last Updated on March 08, 2024

PLEASE READ THE FOLLOWING CAREFULLY BEFORE ENTERING INTO A CONTRACT WITH US:

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 SEVEN (7) YEARS OLD. BANKRUPTCY INFORMATION CAN BE REPORTED FOR TEN (10) YEARS. THE CREDIT BUREAU IS PREVENTED FROM ISSUING A REPORT CONTAINING OBSOLETE INFORMATION. ACCURATE INFORMATION CANNOT BE PERMANENTLY REMOVED FROM THE FILES OF A CONSUMER REPORTING AGENCY.

YOU HAVE A RIGHT TO OBTAIN A COPY OF YOUR CREDIT REPORT FROM A CREDIT BUREAU. YOU MAY BE CHARGED A REASONABLE FEE (NO CHARGE IN COLORADO ONCE A YEAR WITH ADDITIONAL COPIES AVAILABLE FOR A SMALL FEE, A FEE NOT TO EXCEED EIGHT DOLLARS ($8.00) IN TENNESSEE AND APPROXIMATELY TEN DOLLARS ($10.00) TO FIFTEEN DOLLARS ($15.00) ELSEWHERE). 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 SIXTY (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:

A COMPLETE AND DETAILED DESCRIPTION OF THE SERVICES TO BE PERFORMED BY THE CREDIT SERVICES ORGANIZATION FOR YOU MAY BE FOUND AT WWW.DIVVYHOMES.COM/UP AND/OR IN YOUR CREDIT SERVICES AGREEMENT, AND THE TOTAL EXPECTED FEES YOU WILL HAVE TO PAY, OR BECOME OBLIGATED TO PAY, FOR THE SERVICES MAY BE FOUND BELOW.

WHERE APPLICABLE, YOU HAVE THE RIGHT TO PROCEED AGAINST THE SURETY BOND OR TRUST ACCOUNT HELD BY SUCH CREDIT REPAIR COMPANY. THE NAME AND ADDRESS OF THE SURETY COMPANY THAT ISSUED THE BOND OR DEPOSITORY AND THE TRUSTEE AND THE ACCOUNT NUMBER OF THE TRUST ACCOUNT, WHERE APPLICABLE, IS OR WILL BE PROVIDED TO YOU BELOW AND/OR IN THE CREDIT SERVICES CONTRACT.

CUSTOMERS WHO ARE COLORADO RESIDENTS: YOU HAVE A RIGHT TO DISPUTE INACCURATE INFORMATION BY CONTACTING THE CREDIT BUREAU DIRECTLY. HOWEVER, YOU HAVE NO RIGHT TO HAVE ACCURATE INFORMATION REMOVED FROM YOUR CREDIT BUREAU REPORT. UNDER THE FEDERAL "FAIR CREDIT REPORTING ACT", THE CREDIT BUREAU MUST REMOVE ACCURATE NEGATIVE INFORMATION FROM YOUR REPORT ONLY IF IT IS OVER 7 YEARS OLD. BANKRUPTCY CAN BE REPORTED FOR 10 YEARS. EVEN WHEN A DEBT HAS BEEN COMPLETELY REPAID, YOUR REPORT CAN SHOW THAT IT WAS PAID LATE IF THAT IS ACCURATE. YOU HAVE A RIGHT TO SUE A CREDIT REPAIR COMPANY THAT VIOLATES THE “COLORADO CREDIT SERVICES ORGANIZATION ACT”. THIS LAW PROHIBITS DECEPTIVE PRACTICES BY REPAIR COMPANIES. THE “COLORADO CREDIT SERVICES ORGANIZATION ACT” ALSO GIVES YOU A RIGHT TO CANCEL YOUR CONTRACT FOR ANY REASON WITHIN FIVE (5) WORKING DAYS FROM THE DATE YOU SIGN IT. THE FEDERAL TRADE COMMISSION ENFORCES THE FEDERAL “FAIR CREDIT REPORTING ACT”. FOR MORE INFORMATION, CALL OR WRITE THE FEDERAL TRADE COMMISSION. THE ADMINISTRATOR OF THE “UNIFORM CONSUMER CREDIT CODE” ENFORCES THE “COLORADO CREDIT SERVICES ORGANIZATION ACT”. FOR MORE INFORMATION, CALL OR WRITE THE COLORADO ATTORNEY GENERAL'S OFFICE.

CUSTOMERS WHO ARE MINNESOTA RESIDENTS. 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 SEVEN YEARS OLD. BANKRUPTCY INFORMATION CAN BE REPORTED FOR TEN 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 SIXTY (60) DAYS. THE CREDIT BUREAU MUST PROVIDE ASSISTANCE 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 SIXTY (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 THREE BUSINESS DAYS OF 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 IS PROHIBITED FROM CHARGING 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.

CUSTOMERS WHO ARE OHIO RESIDENTS:

CREDIT REPORTING PRACTICES RIGHTS OF CONSUMERS

UNDER OHIO LAW, YOU HAVE A RIGHT TO SUE A CREDIT SERVICES ORGANIZATION THAT VIOLATES THE OHIO CREDIT SERVICES ORGANIZATION ACT. THIS LAW PROHIBITS DECEPTIVE PRACTICES BY CREDIT SERVICES ORGANIZATIONS AND GIVES YOU A RIGHT TO CANCEL YOUR CONTRACT FOR ANY REASON WITHIN THREE (3) BUSINESS DAYS FROM THE DATE YOU SIGNED IT.

PER FEDERAL LAW, YOU HAVE THE RIGHT TO CANCEL YOUR CONTRACT WITH ANY CREDIT REPAIR ORGANIZATION, FOR ANY REASON, AT ANY TIME BEFORE MIDNIGHT OF THE THIRD (3RD) DAY, WHICH BEGINS AFTER THE DATE THE CONTRACT IS SIGNED BY YOU. HOWEVER, YOUR STATE MAY PROVIDE A LONGER PERIOD.

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. YOU ALSO HAVE THE OPTION TO WORK WITH A NONPROFIT CREDIT COUNSELING, BUDGET COUNSELING, OR DEBT COUNSELING SERVICE.

IF REINVESTIGATION DOES NOT RESOLVE THE DISPUTE TO YOUR SATISFACTION, YOU MAY SEND A BRIEF STATEMENT TO THE CONSUMER REPORTING AGENCY TO KEEP IN YOUR FILE, EXPLAINING WHY YOU THINK THE RECORD IS INACCURATE. THE CONSUMER REPORTING AGENCY MUST INCLUDE YOUR STATEMENT ABOUT DISPUTED INFORMATION IN ANY REPORTS IT ISSUES ABOUT YOU.

UNDER OHIO LAW, YOU HAVE A RIGHT TO SUE A CREDIT SERVICES ORGANIZATION THAT VIOLATES THE OHIO CREDIT SERVICES ORGANIZATION ACT. THIS LAW PROHIBITS DECEPTIVE PRACTICES BY CREDIT SERVICES ORGANIZATIONS AND GIVES YOU A RIGHT TO CANCEL YOUR CONTRACT FOR ANY REASON WITHIN THREE BUSINESS DAYS FROM THE DATE YOU SIGNED IT.