Client Registration Information

Legal Disclosures & Statement Of Services

STATE INFORMATION STATEMENT: Please be aware of the following rights and disclosures required by law to be disclosed to you prior to any agreement between Nuvo Legacy., and you. These disclosures are incorporated by reference into the Client Agreement. DESCRIPTION OF SERVICES: STATE INFORMATION STATEMENT: Please be aware of the following rights and disclosures required by law to be disclosed to you prior to any agreement between Nuvo Legacy., and you. These disclosures are incorporated by reference into the Client Agreement. DESCRIPTION OF SERVICES:

Nuvo Legacy will provide the following services on a monthly basis:

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Nuvo Legacy estimates that the Credit repair process should take approximately 6 - 12 months.

ADDITIONAL DISCLOSURES 

You, the buyer, have the right to review any file on you, the buyer, maintained by the credit reporting agency, and you have the right to receive a copy of that file as provided under federal Fair Credit Reporting Act, 15 U.S.C. §§ 1681-1681t, and you may review this file at no charge if a request is made to the consumer credit reporting agency within thirty (30) days after receiving notice that credit has been denied. If you do not request to review a credit reporting agency’s file within thirty (30) days after receiving notice that credit has been denied, we may charge a total approximate fee of $8 in order for you to review your file.

You acknowledge the availability of non-profit organizations (including non-profit credit counseling services) that are funded by client fees, grants, other voluntary contributions from creditors that provide services similar to those offered by Nuvo Legacy. One such association, the National Foundation for Credit Counseling® (www.nfcc.org), can be contacted at (800) 388-2227. 

You, the buyer, have a right to file a dispute directly with the consumer credit reporting agency in accordance with the provisions of the Fair Credit Reporting Act. 

Nuvo Legacy principal business address is 

Demo Street Demo City New York 10017 USA and the name and address of its agent authorized to receive service of process is
Nuvo Legacy

Nuvo Legacy maintains a surety bond as required by Cal. Civil Code §1789.18. You, the buyer, have a right to proceed against the bond under circumstances and in the manner set forth in §1789.18.  

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW: 

You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. 

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

You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or CSO has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years. If you have notified a credit reporting agency in writing that you dispute the accuracy of information in your credit file, the consumer credit reporting agency must then reinvestigate and modify or remove inaccurate information. 

The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency. If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed information in any report it issues about you. You have a right to cancel the contract for any reason within seven business days from the date you signed it. If for any reason you do cancel the contract during this time, you do not owe any money. 

You have a right to sue a CSO if it misleads you.

50% Of Nuvo Legacy Clients have Experience Identity Theft in some type of way that have impacted their credit. I (The Client) Have experienced one or more of these issues and I am authorizing

Nuvo Legacy to perform any such action, within legal bounds, that will assist in the improvement of my credit. Authority to Act. The Agent is authorized to act for me under this Limited Power of Attorney as described herein.

CANCELLATION POLICY:

You have the right to cancel your contract with any credit repair organization for any reason within five (5) business days from the date you signed it. 

Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur. 

You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau. 

If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you. 

Obligation To Pay Once Services Begin

I Hereby Confirm That A Copy Of This Information Statement, Including The Schedule Of Payments Has Been Provided To Me Prior To My Signing Any Contract With Nuvo Legacy And That This Information Statement Has Been Provided To Me Separate From Any Other Disclosures.