Under federal law, specifically the Credit Repair Organizations Act (CROA), you have the right to sue a credit repair organization that violates this Act. You may also have rights under state law. TITL Financials is required to provide you with a written statement of your rights before you sign any contract.
Please be advised that neither you nor any credit repair company has the right to have accurate, current, and verifiable information removed from your credit report. A credit bureau must remove information only if it is inaccurate, incomplete, or can no longer be verified. You can also contact credit bureaus directly to notify them of inaccuracies in your report at no cost.
Your sensitive financial data is protected under strict administrative and technical safeguards.
Data Collection: We collect Social Security Numbers, addresses, and credit report data solely to perform credit audits and disputes.
Encryption: All data transmitted through the TITL Financials portal is secured using SSL (Secure Sockets Layer) encryption.
Non-Disclosure: We do not sell your personal data to “lead generation” firms or third-party marketers. Your information is only disclosed to (a) Credit Reporting Agencies, (b) Creditors/Furnishers, and (c) internal staff required to process your file.
Retention: We retain your records only as long as necessary to fulfill the services requested or to comply with legal record-keeping obligations under CROA.
By engaging TITL Financials, you agree to the following:
Accuracy of Information: You certify that all information provided regarding your identity and financial history is 100% accurate. Providing fraudulent documents or misrepresenting your identity is a federal crime.
Power of Attorney: You grant TITL Financials a limited Power of Attorney to correspond with credit bureaus and creditors on your behalf.
Third-Party Services: We may suggest third-party credit monitoring services. You are responsible for maintaining an active monitoring account; failure to do so may result in the suspension of our services as we cannot dispute what we cannot see.
Limitation of Liability: TITL Financials and its representatives shall not be liable for any indirect, incidental, or consequential damages resulting from the use or inability to use our services.
The 3-Day Rule: You may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which you signed the contract. See the “Notice of Cancellation” form provided in your onboarding documents for instructions on how to exercise this right.
Post-3-Day Cancellation: After the initial 3-day window, our services are billed on a month-to-month basis (or per the specific plan selected). You may cancel your subscription at any time by providing written notice via our support portal. Cancellations will take effect at the end of the current billing cycle. TITL Financials does not offer prorated refunds for partial months of service already rendered, as our work—including report analysis and dispute drafting—begins immediately upon payment.
TITL Financials provides professional consulting and clerical assistance in the credit restoration process. However, we do not guarantee specific credit score increases or the permanent deletion of any specific credit item. Credit score movements are influenced by hundreds of variables, including your ongoing financial behavior (e.g., timely payments, new inquiries, and debt-to-income ratios). Any past performance shared via testimonials is not a promise of future results. We do not provide “magic” solutions; we provide a legal process of auditing and challenging information under the Fair Credit Reporting Act (FCRA). Use of our services—including the purchase of Authorized User Tradelines—is done at the client’s own risk with the understanding that third-party lenders and bureaus may update their reporting criteria at any time.
