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    This is an excerpt from the Fair Credit Reporting Act (FCRA)
     
    611. Procedure in case of disputed accuracy

    (A) In general. If the completeness or accuracy of any item of information contained in a consumer's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly of such dispute, the agency shall reinvestigate free of charge and record the current status of the disputed information, or delete the item from the file in accordance with paragraph (5), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer.

     

    The following are laws used in our process:

    The Fair Credit Reporting Act (FCRA) tells the credit bureaus what they can and can't do. Reporting of data that is provided by creditors must be done in accordance with the guidelines under this act. With the large amount of data that is transferred between the reporting agencies and data furnishers, it is common for violations to occur. http://www.ftc.gov/os/statutes/fcra.htm

    The Fair Credit Billing Act (FCBA) is a subset of the Truth in Lending Act. The Truth in Lending Act is the law that governs creditor’s actions and behaviors. http://www.ftc.gov/os/statutes/fcb/fcb.pdf

    The FCBA is not a commonly used law in the credit industry. Utilization of this law might not be common, but when it is properly used, it is an extremely effective tactic. The Fair Credit Billing Act is used to force original creditors to validate debts and provide additional documentation to substantiate their data reporting.

    The Fair Debt Collections Practices Act (FDCPA) regulates debt collectors. The Fair Debt Collection Practices Act has provided clear rules that debt collectors must follow when attempting to collect a debt. The rules are not well known by consumers, and collectors often fail to abide by the required rules. Enforcement of a consumer’s rights under this act proves to be another useful tactic in credit repair. http://www.ftc.gov/os/statutes/fdcpa/fdcpact.htm

    Credit Repair Organization Act (CROA) This is the Law that Governs Credit Repair Companies. Title IV of the Consumer Credit Protection Act (Public Law 90-321, 82 Stat. 164) is amended to read as follows (see section 3): http://www.ftc.gov/os/statutes/croa/croa.shtm

     

     

    Privacy Policy and Terms of Service

    Updated 1/18/2011

    1. Acknowledgement and acceptance of terms

    Improve Credit, LLC is committed to protecting your privacy. This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you or your computer interact with our website. By accessing
    http://www.Icdebt.com, www.improvecreditconsultingfirm.com, www.creditscoresandcredit.com  you acknowledge and fully understand Improve Credit, LLC’s Privacy Statement and freely consent to the information collection and use practices described in this Website Privacy Statement.

    2. Participating Merchant Policies

    Related services and offerings with links from this website, including vendor sites, have their own privacy statements that can be viewed by clicking on the corresponding links within each respective website. Online merchants and others who participate in Improve Credit, LLC services are encouraged to participate in industry privacy initiatives and to take a responsible attitude towards consumer privacy. However, since we do not have direct control over the policies or practices of participating merchants and other third parties, we are not responsible for the privacy practices or contents of those sites. We recommend and encourage that you always review the privacy policies of merchants and other third parties before you provide any personal information or complete any transaction with such parties.

    3. Information We Collect and How We Use It

    Improve Credit, LLC collects certain information from and about its users three ways: directly from our Web Server logs, the user, and with Cookies.

    a. Web Server Logs

    When you visit our Website, we may track information to administer the site and analyze its usage. 

    b. Use of Cookies

    Improve Credit, LLC may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you.

    One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality.

    Improve Credit, LLC reserves the right to share aggregated site statistics with partner companies, but does not allow other companies to place cookies on our website unless there is a temporary, overriding customer value (such as merging into Improve Credit, LLC.com a site that relies on third-party cookies).

    You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website.

    c. Personal Information Users

    Visitors to our website can register to purchase services. When you register, we will request some personal information such as name, address, email, telephone number or facsimile number, account number and other relevant information. If you are purchasing a service, we will request financial information. Any financial information we collect is used only to bill you for the services you purchased. If you purchase by credit card, this information may be forwarded to your credit card provider. For other types of registrations, we will ask for the relevant information. You may also be asked to disclose personal information to us so that we can provide assistance and information to you. For example, such data may be warranted in order to provide online technical support and troubleshooting.

    We will not disclose personally identifiable information we collect from you to third parties without your permission

    4. Use of Web Beacons or GIF files

    Improve Credit, LLC’s web pages may contain electronic images known as Web beacons – sometimes also called single-pixel gifs – that allow Improve Credit, LLC to count users who have visited those pages and to deliver co-branded services. Improve Credit, LLC may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon.

    Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our website and how you use the site. Improve Credit, LLC prohibits Web beacons from being used to collect or access your personal information.

    5. Accessing Web Account Information

    We will provide you with the means to ensure that personally identifiable information in your web account file is correct and current. You may review this information by contacting us by sending an email our support center – [email protected]

    6. Changes to this Statement

    Improve Credit, LLC has the discretion to occasionally update this privacy statement. When we do, we will also revise the “updated” date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the personal information we collect. Your continued use of the service constitutes your agreement to this privacy statement and any updates.

    7. Contacting Us

    If you have questions regarding our Privacy Statement, its implementation, failure to adhere to this Privacy Statement and/or our general practices, please contact us at [email protected] send your comments to:

    Improve Credit, LLC will use commercially reasonable efforts to promptly respond and resolve any problem or question.