Consumer Credit File Rights Under State and Federal Law

plant money habits LLC
1650 Limekiln Pike, Ste B19 #223
Dresher, PA 19025

Your right to dispute inaccurate information

You can dispute inaccurate information in your credit report by contacting the credit reporting agency directly.

No one, including a credit repair company, can remove information that is accurate, current, and verifiable. The agency is only required to remove negative information that is:

• More than 7 years old (most negative items)
• More than 10 years old (bankruptcy)

Your right to a copy of your credit report

You can request a copy of your credit report from any credit reporting agency. A reasonable fee may apply, but it is free if, within the last 60 days, you were turned down for:

• Credit
• Employment
• Insurance
• A rental home or apartment

You are also entitled to one free copy per year from each nationwide bureau at annualcreditreport.com.

The credit reporting agency must provide someone to help you understand the information in your file.

Your right to sue

You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act. This federal law prohibits deceptive practices by credit repair companies.

Your right to cancel

You can cancel your contract with any credit repair organization within 3 business days of signing it, for any reason, with no fee or penalty.

How to dispute an error on your own

You can notify a credit reporting agency in writing that you believe information in your file is inaccurate. The agency must then reinvestigate and correct or remove anything that cannot be verified. They cannot charge you for this.

When you submit a dispute, include any documents or evidence that support your claim.

If the reinvestigation does not resolve the issue, you can add a brief statement to your file explaining your side. The agency must include a summary of that statement in any future reports about you.

Who regulates credit reporting agencies

The Federal Trade Commission oversees credit reporting agencies and credit repair organizations. For more information, contact:

The Public Reference Branch
Federal Trade Commission
Washington, D.C. 20580

plant money habits LLC disclosures

Surety bond

plant money habits LLC maintains a surety bond (Bond No. 100529225) issued on November 30, 2021.

No advance payment

You are under no obligation to pay any fee until all services have been completely performed for you, unless you have agreed in writing to a recurring monthly payment plan for ongoing services.

We begin work within seven business days after your agreement is signed.

Right to cancel

Federal law gives you at least three business days to cancel. plant money habits gives you more: you may cancel your contract for any reason, without any fee or penalty, within five business days from the date you sign it.

Refunds

Because you pay only after work has been completed, no refunds are issued for services that have already been performed.

No verbal agreements

No verbal statement or agreement changes the written terms of your contract. Only the signed written agreement governs the relationship between you and plant money habits LLC.

Nonprofit alternatives

Nonprofit budget and credit counseling services may be available to you at little or no cost. You are free to use these services instead of, or in addition to, our services.

Contact

plant money habits LLC
1650 Limekiln Pike, Ste B19 #223
Dresher, PA 19025
Email: pmh@plantmh.com