Straight answers about credit reports, disputes and building credit, written by Tagen Sims. No jargon, and no promises we can't keep.
Tagen SimsIs credit repair worth paying for? An honest look at what companies can and can't legally do, the red flags that signal a scam, when DIY is the right call, and how to vet any company, including ours.
Stop letting high interest rates and unfair reporting drain your monthly cash flow. Speak with Tagen today and map out your path to financial recovery.
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Right to Dispute Inaccurate Information Directly: You have a legal right under the federal Fair Credit Reporting Act (15 U.S.C. § 1681g) to obtain a disclosure of your credit file from any consumer reporting agency, and to dispute inaccurate or incomplete information directly with the credit bureaus (Equifax, Experian, TransUnion) completely free of charge. You also have the right to obtain a free credit report from each nationwide reporting agency annually via AnnualCreditReport.com. No individual or credit organization has the legal authority to remove accurate, verifiable, and timely negative information from your credit report.
Mandatory 3-Day Right of Cancellation (CROA Notice): Under the Credit Repair Organizations Act (15 U.S.C. § 1679d) and applicable Michigan consumer protection laws, you may cancel any contract or service agreement with SIMS Consulting LLC without any penalty, fee, or obligation whatsoever within three (3) business days from the date on which the contract is signed or executed. Cancellation notices may be submitted in writing via email or mail without forfeiture of funds.
Disclaimer: SIMS Consulting LLC is a Michigan-based financial and credit advisory consultancy. We do not provide legal counsel, debt settlement services, or financial bankruptcy representation. Results vary depending on verified individual credit profiles, lender underwriting criteria, and credit bureau response times. No outcome or credit score increase is guaranteed.
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