IMPORTANT DISCLOSURES:The hiring of a lawyer is an important decision that should not be based solely upon advertisements. Before you decide, please review the information that we have provided on this site identifying our legal qualifications and experience. Free additional information is available at your request. Ovation Inc. provides the information on this site as a service to the general public. While the information on this site deals with legal issues, it does not, nor is it intended to, constitute legal advice. 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: INFORMATION STATEMENT REQUIRED UNDER FLORIDA STATUTES 817.703: Any person has the right to dispute directly with a consumer reporting agency the completeness or accuracy of any item contained in any file on the buyer maintained by the consumer reporting agency. Accurate information cannot be permanently removed from the file of a consumer reporting agency. Ovation provides a service of disputing items on your credit report that you identity to us as misleading, inaccurate or not yours. When you sign up, you must provide your credit reports to us and the information about the items on the credit report that we request from you. When you receive a response from the credit bureaus and/or your creditors, you will forward that information to us for us to continue your dispute process. Ovation will charge you for these services as they have been performed in full on a monthly basis. At the end of each month of service, you will be charged for the services fully rendered that month. The total amount charged you will depend on the length of time that you remain a client. On average, clients remain active for 6 to 8 months. Ovation does not charge in advance for its services in compliance with Florida Statute 817.7005(1). Ovation only charges for services that have been completely and fully performed each month. |