Prior to starting credit education and document processing services, you will sign a client agreement along with the following:
Credit Service Agreement
Authorization for Credit Repair Action
Consumer Credit File Rights (CROA Disclosure)
Right Of Cancellation Notice
SMS Policy
Document preparation and credit education. We will evaluate your current credit reports as listed with applicable credit reporting agencies and work with you to identify inaccurate, erroneous, false, or obsolete information. You will choose which items you would like to dispute. We will advise you on steps to be taken to dispute any inaccurate, erroneous, false or obsolete information contained on your credit reports.
We will prepare all necessary correspondence in dispute of inaccurate, erroneous, false, or obsolete information in your credit reports.
You will forward to us your correspondence received from the credit reporting agencies and we will assist you in further correspondence with those agencies.
Consulting, coaching, and monitoring services are conducted by personal meetings, webinars, video conferencing, telephone, email, or by any other form of communication during normal business hours.
In return, for the services above, you agree to pay fees as outlined in your client agreement. You have the right to cancel your contract for any reason within 3 business days from the date you signed it. Just send written notice as outlined in your client agreement.
Renu Your Credit uses SMS messaging to provide updates, reminders, and other important information related to your credit restoration needs.
To ensure compliance with FCC regulations and best practices for SMS messaging, Renu Your Credit adheres to the following guidelines:
Detailed Opt-In Process: We provide a clear and concise explanation of the opt-in process for end-users to ensure they understand how to subscribe to our SMS messaging service.
Description of SMS Messaging:
Texting Cadence:
Types of Messages: Subscribers to Renu Your Credit SMS service can expect to receive messages regarding:
Appointment Reminders
Important Updates to Your Account
Educational content about credit management
Promotional Messages about our services
Message Frequency: Subscribers can expect to receive approximately 2-4 messages per month, depending on the time of year and their individual circumstances. Message frequency may vary.
Consent: By providing your phone number and clicking the "Subscribe" button on our website, you are consenting to receive SMS messages from Renu Your Credit.
Opt-In and Opt-Out Instructions: To opt-in, provide your phone number and click the "Subscribe" button. To opt-out at any time, simply reply to any SMS message with the word "STOP". You will receive a confirmation message that you have been unsubscribed.
Message and Data Rate Notices: Message and data rates may apply for each message sent or received, as provided in your mobile service rate plan. Please contact your mobile carrier for details.
Privacy Policy Link: This policy, including our SMS messaging practices.
Data Protection Disclaimer: Renu Your Credit maintains strict privacy policies, ensuring that personal information of our users and members is not sold, rented, released, or traded to other parties.
Customer List: We maintain a detailed list of customers who have opted in for text messages from our company.
Our Call-to-Action (CTA) disclosure, displayed where you enter your phone number to opt-in for SMS messages, provides the following information:
"By providing your phone number, you agree to receive SMS (text) messages from Renu Your Credit. Message and data rates may apply. Message frequency varies. Reply with HELP to receive more information. Reply with STOP to unsubscribe at any time."
Specifically, this CTA includes:
Brand Name: Renu Your Credit
Types of Messages: Updates, reminders, and important information related to your credit retoration needs.
Message and Data Rate Notices: "Message and data rates may apply."
Frequency of Messages: "Message frequency varies." (Estimated 2-4 messages per month.)
HELP Information: "Reply with HELP for help."
STOP/Opt-Out Information: "Reply with STOP to unsubscribe at any time."
Opt-In Form/Link: Opt-ins are collected through forms on our website.
Forced Opt-Ins Prohibited: We do not require users to provide their phone number to access any content or services on our website. Providing a phone number for SMS messaging is always optional.
Separate Opt-ins: If we use email or voice calls to communicate with you, a separate opt-in will be collected for receiving each of these types of communication. Your SMS opt-in only applies to text messages.
It is understood that we offer credit information. We make every effort to ensure the accuracy of the information and to clearly explain your options. However, we do not provide legal advice (i.e.; the application of the law to your individual circumstances). For legal advice, please consult an attorney.
