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Disclosures

Your rights, in the words the law requires.

Federal and Washington law require every credit repair organization to give you this statement before you sign anything. We publish it here too.

Consumer Credit File Rights Under State and Federal Law

You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. 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 credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.

You have the right to cancel your contract with any credit repair organization for any reason within 3 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.

The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact: The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

Notice of right to cancel

You may cancel your contract with Flow Credit Solutions, without penalty or obligation, at any time before midnight of the third business day after the date you sign it. To cancel, send a signed and dated notice by email to info@flowcreditsolutions.com or by mail to 2226 Eastlake Ave E #1345, Seattle, WA 98102. Any payment you have made will be returned within ten business days of our receiving your cancellation notice.

Washington State notice

Flow Credit Solutions operates under Washington's Credit Services Organization Act, chapter 19.134 RCW. Under that law you may cancel a contract within five business days of signing, and we may not charge or receive any money before fully performing the services described in the contract unless the payment is placed in an escrow or trust account as the statute allows. Contact the Washington State Department of Financial Institutions or the Attorney General's Consumer Protection Division with questions about your rights.

What we do and do not promise

  • We dispute information that is inaccurate, incomplete, unverifiable, or reported outside the legal time limits. We do not dispute information we know to be accurate.
  • We do not guarantee that any item will be removed, that any score will rise by a specific amount, or that you will be approved for credit.
  • Results published on this site are real client outcomes drawn from our progress reports and are not typical of every case.
  • You can do everything we do yourself, for free, by writing to the bureaus. We charge for the expertise, the automation, the tracking, and the escalation.

Contact

Flow Credit Solutions, a FlowAutomate LLC company. 2226 Eastlake Ave E #1345, Seattle, WA 98102. Phone (425) 610-7779. Email info@flowcreditsolutions.com. Mon to Fri, 9am to 6pm Pacific.