Before beginning credit repair and restoration services, Brownstone Financial Services, LLC will provide clients with a written service agreement and all disclosures required by applicable law.
These documents include a Credit Repair Service Agreement, appropriate authorization forms, the Consumer Credit File Rights disclosure, and a Notice of Cancellation explaining the right to cancel within three business days without penalty.
Brownstone Financial Services, LLC does not guarantee credit score increases or removal of accurate, current, and verifiable information. No payment for credit repair services will be collected before legally permitted.
These documents include a Credit Repair Service Agreement, appropriate authorization forms, the Consumer Credit File Rights disclosure, and a Notice of Cancellation explaining the right to cancel within three business days without penalty.
Brownstone Financial Services, LLC does not guarantee credit score increases or removal of accurate, current, and verifiable information. No payment for credit repair services will be collected before legally permitted.
The services we perform may include
Brownstone Financial Services, LLC provides credit education and credit repair assistance, which may include:
• Reviewing credit reports to identify potentially inaccurate, incomplete, or outdated information.
• Educating clients about credit reporting and consumer rights.
• Assisting clients with preparing disputes of information they believe is inaccurate or incomplete.
• Helping clients understand responses from credit bureaus and creditors.
• Providing guidance on responsible credit management and rebuilding credit.
Clients have the right to dispute inaccurate information directly with credit reporting agencies at no cost. We cannot guarantee specific results, credit score increases, or removal of accurate and verifiable information.
• Reviewing credit reports to identify potentially inaccurate, incomplete, or outdated information.
• Educating clients about credit reporting and consumer rights.
• Assisting clients with preparing disputes of information they believe is inaccurate or incomplete.
• Helping clients understand responses from credit bureaus and creditors.
• Providing guidance on responsible credit management and rebuilding credit.
Clients have the right to dispute inaccurate information directly with credit reporting agencies at no cost. We cannot guarantee specific results, credit score increases, or removal of accurate and verifiable information.
Fees for credit repair services will be explained in a separate written client agreement before services begin. Clients will receive all legally required disclosures, including notice of their right to cancel the agreement within three business days without penalty or obligation. Brownstone Financial Services, LLC will not request or receive payment for credit repair services before those services have been fully performed, as required by applicable federal law.