Terms & Conditions
Credit Repair Organizations Act (CROA) Disclosure
The Credit Repair Organizations Act is a federal law that protects consumers when working with credit repair companies.
Disclosure Example
Consumers have the right to obtain a copy of their credit report directly from the credit reporting agencies at no cost once every 12 months.
Consumers have the right to dispute inaccurate information on their credit report themselves at no cost by contacting the credit bureaus directly.
Lazhor Consulting Group provides credit education and assistance reviewing credit reports and may assist with disputing inaccurate, outdated, or unverifiable information on behalf of clients.
Clients are not required to purchase services from Lazhor Consulting Group in order to exercise their rights under federal law.
No Guarantee Credit Score Disclaimer
Credit repair companies cannot legally guarantee results.
Website Disclaimer
Lazhor Consulting Group does not guarantee the removal of accurate information from credit reports or specific credit score increases.
Results vary depending on the individual credit profile, the information reported by creditors, and the response of the credit bureaus.
Our services focus on disputing inaccurate, outdated, or unverifiable information in accordance with federal consumer protection laws.
Under the Credit Repair Organizations Act, clients must be allowed to cancel within 3 business days.
Cancellation Notice
You have the right to cancel this contract without penalty or obligation within three business days after signing the agreement.
To cancel this contract, send written notice to Lazhor Consulting Group before midnight of the third business day.
Consumer Credit Rights Statement
Consumers should know they can repair their credit on their own for free.
Disclosure
You have the right to dispute inaccurate information on your credit report directly with the credit reporting agencies.
The three major credit bureaus are:
• Equifax
• Experian
• TransUnion
You may contact these agencies directly to review or dispute items on your credit report.
Lazhor Consulting Group offers assistance and guidance but is not affiliated with any credit bureau.