Making your Credit Shine

Terms and Conditions

 You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract.

**Although file and administrative setup will begin immediately, no corrective work will be done on the file until the expiration of the three day right of rescission.

Terms and conditions of this agreement…

Client understands that The Credit Gem LLC will seek to correct or remove erroneous, outdated, or incorrectly reported information from the bureaus, as allowed by state and federal law, and understands that The Credit Gem makes no claim beyond those changes allowed by state and/or federal law. This includes, but may not be limited to, inquiries, addresses, aliases, creditor accounts, and personal information. 

Additionally, client understands that no guarantee of any particular score is made through this agreement, as doing so would imply an intimate knowledge of the proprietary formulas used by the credit scoring models to calculate score that the The Credit Gem does not possess. If, upon the expiration of 3 timely payments, and 100% adherence to the terms and conditions set forth herein, The Credit Gem has failed to demonstrably update client’s report, through deletions, corrections, or update s with each of the major credit bureaus, client is entitled to a full refund of all monies paid. 

Client understands that it is the right of any consumer to execute similar disputes or requests on their own behalf, but has willfully elected to allow The Credit Gem to perform the services for the posted and agreed upon fee, pursuant to the fee schedule included herein. Additionally, by virtue of the client’s electronic signature on this site, client acknowledges understanding of, and agreement to the policies , terms, and conditions, outlined in this agreement, and have been made aware of his rights as a consumer in matters of credit reporting through all applicable and necessary laws and disclosures. Client acknowledges that in some instances, The Credit Gem may act as a credit services organization as defined in the federal Credit Repair Organizations Act, and that agreement to these terms constitutes acknowledgement that client has received the following information, required by the Texas Finance Code and Credit Repair Organizations Act regarding credit services organizations. 

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 turne d 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 re -investigate 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 re-investigation 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