THE ARTICLES AND MATERIALS DISPLAYED ON THE SITE AND SENT TO YOU ARE FOR INFORMATIONAL PURPOSES ONLY, AND ANY PROFESSIONAL SERVICES YOU SIGN UP FOR WITH Credit Army ARE LIMITED TO CREDIT REPAIR. THIS IS NOT A SUBSTITUTE FOR OTHER PROFESSIONAL AND SPECIFIC FINANCIAL, TAX OR LEGAL ADVICE. THIS INFORMATION SHALL IN NO WAY AND IN NO MANNER BE CONSIDERED FINANCIAL, TAX, LEGAL ADVICE OR OTHER PROFESSIONAL ADVICE OR A SUBSTITUTE THEREFOR.
Credit Army makes no warranty and does not represent nor endorse the accuracy of any advice, opinion, statement, or other information displayed on the site. Your continued use of the site is predicated upon your agreement that any reliance upon any such materials, opinion, advice, statement, memorandum, or information shall be at your sole and own risk. Credit Army reserves the right, in its sole discretion, to modify or correct any errors or omissions in any portion of the site.
This website is a credit repair services organization that provides general credit repair information and services. The materials and services in www.creditArmy.org are provided “as is” and without warranties of any kind either expressed or implied.
The website’s content is not a substitute for direct, personal, professional financial, tax, or legal advice. We are not CPAs, Financial Advisors or Lawyers and anything in this website should be cleared with your financial advisor, CPA or lawyer.
Credit Army reserves the right to restrict or terminate one’s use of the site in part or in whole for nay reason or for no reason, at any and all times. Your use of the site is granted on an as is available basis, subject to the discretion of Credit Army
Testimonials found at creditarmy.org are results that have been forwarded to us by users of the Credit Army products and services, and may not reflect the typical user’s experience, may not apply to the average person and are not intended to represent or guarantee that anyone will achieve the same or similar results.
As the Credit Army program is classified as Credit Services Organization we carry a bond pursuant to the Credit Services Act, 73 P.S. 2181-2192. The bond backing the services of the Credit Army program offered by Lance Surety Bond Associates, Inc. is issued and held by:
Great American Insurance Company
301 E 4th Street Cincinnati, OH 45202
Mandatory Disclosure Regarding Bond: Pursuant to the Credit Services Act, 73 P.S. §§2181-2192, a credit services organization and its salespersons, agents and representatives who sell or attempt to sell the services of a credit services organization shall not charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for or on behalf of the buyer unless the credit services organization has either obtained a surety bond issued by a surety company admitted to do business in this Commonwealth or established a trust account in accordance with 73 P.C. §2183(1).
We are also required by law to inform you that the services offered via enrollment in the Credit Army program are services that you can also perform on your own behalf. In addition, there are also Non-Profit Credit Counseling Services available for your use. Such non-profit credit counseling is available through American Consumer Credit Counseling: www.consumercredit.com or (800) 769-3571.
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 organization has the right to have accurate, current, and verifiable information removed form 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 three 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 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