DISCLOSURE STATEMENT
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 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
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Privacy Act Disclosure
Duo Studios Incorporated is very concerned about the protection of online privacy for all our web site visitors. Duo Studios Incorporated is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in any way. The only information we share is the personal information necessary to complete our services by dealing with the credit bureaus and your creditors. Your information is fully protected both online and offline.
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Limited Power of Attorney Disclosure & Agreement
Be it known that I, the above first, last and middle name, am the individual and by submitting this form hereby grant a limited power of attorney to Duo Studios Incorporated, and any and all persons in there employ, as my agent, to have the necessary power and authority to undertake and perform the following on my behalf.
I hereby give permission to Duo Studios Incorporated to sign my name on all documents written on my behalf as my agent for the purpose of disputing inaccurate, erroneous, and obsolete credit information held on my report by consumer credit reporting agencies. This "limited power of attorney" is given to Duo Studios Incorporated in compliance with section 611 of the Federal Fair Credit Reporting Act.
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Service Agreement.
This contract is effective on the date of acceptance, between Duo Studios Incorporated, hereinafter “DSI” and you. By submitting this form you agree and adhere to all terms and conditions contained within this agreement and constitute acceptance and permission to the use of the electronic signature.
DSI will use federal law in the attempt to correct errors and other questionable or misleading information found in your credit reports by challenging the credit items that you identify to DSI as inaccurate, misleading, unverifiable, or questionable. When DSI receives legible copies of your credit reports, it will draft, sign, and send letters to the three major credit bureaus on your behalf and in your name. DSI cannot guarantee a specific outcome. Refer to the “Gaurantee” section for more detailed information. DSI promises to perform the work outlined in this agreement for a minimum period of six months. At its sole discretion it may choose to continue and extend its service beyond the original six month period. DSI does not charge you in advance for any credit repair service. It charges only after the initial setup and the work from each month for 2 months.
While retaining DSI's services, you agree:
A. To notify DSI of negative items within your credit report that you believe to be accurate or should remain as reported on your credit reports.
B. To pay DSI the initial file setup cost of $108.00 within one (1) to fifteen (15) days, and $89.00 each subsequent month, for two months, for work performed the previous month. You grant DSI permission to (i) withdraw the earned funds from your credit card or bank account unless you terminate this Agreement and (ii) if you pay with a credit card or debit card, to verify your account information by allowing DSI to capture the setup cost of $108.00 (which will be released if you choose to cancel this agreement within the first 3 business days).
C. To mail legible copies of your credit reports to us within 5 days of obtaining them during our service, promptly forward to us copies of all correspondence that you receive from the credit bureaus, furnishers or others as the result of DSI's efforts on your behalf, and promptly inform DSI of any change of address.
D. To not communicate with the credit bureaus without written correspondence from DSI authorizing you to do so during your service.
E. That you intentionally sought out DSI, which is based in the State of Illinois, to perform the services identified here, and that the services may be performed by any agent or employee working for or in association with DSI.
F. That you authorize DSI to discuss your case with your spouse.
G. That this Agreement, constitutes the entire agreement between you and DSI and may only be modified in writing.
Satisfaction Guarantee
DSI offers a satisfaction guarantee that entitles you to a complete refund, excluding any setup costs if enough of your targeted items are not deleted. Targeted items must be disclosed prior to DSI providing any services and agreed by both parties. Removal of fifty percent (50%) or more of the agreed targeted items results in a disqualification of the satisfaction guarantee, and refund of any monies paid to DSI is no longer required. All qualified refunds may take up to 10 business days to process.
Governing Law and Miscellaneous
This Agreement is deemed to have been executed and performed exclusively in the State of Illinois. Illinois law, without regard to conflict of law provisions, and federal law govern this Agreement. Any legal or equitable action concerning this Agreement shall be initiated only in Will County, Illinois and both parties agree to submit to the personal and exclusive jurisdiction of the courts therein.
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Right of Cancellation
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 entered into this agreement. To cancel this contract, mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to Duo Studios Incorporated at 2623 Bull Run Dr. Aurora, IL 60503 (fax: 219-972-0976).
NOTICE OF CANCELLATION
DSI allows you to cancel this Agreement at any time without penalty or refund, and with no future obligation. Federal law requires that you be given two Notices of Cancellation:
NOTICE OF CANCELLATION
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME BEFORE MIDNIGHT OF THE 3rd BUSINESS DAY. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY US OF YOUR CANCELLATION NOTICE.
TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE TO DUO STUDIOS INCORPORATED 2623 BULL RUN DR. AURORA, IL 60503.
I hereby elect to cancel this contract.
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NOTICE OF CANCELLATION
YOU MAY CANCEL THIS CONTRACT, WITHOUT ANY PENALTY OR OBLIGATION, AT ANY TIME BEFORE MIDNIGHT OF THE 3rd BUSINESS DAY. IF YOU CANCEL, ANY PAYMENT MADE BY YOU UNDER THIS CONTRACT WILL BE RETURNED WITHIN 10 DAYS FOLLOWING RECEIPT BY US OF YOUR CANCELLATION NOTICE.
TO CANCEL THIS CONTRACT, MAIL OR DELIVER A SIGNED, DATED COPY OF THIS CANCELLATION NOTICE, OR ANY OTHER WRITTEN NOTICE TO DUO STUDIOS INCORPORATED 2623 BULL RUN DR. AURORA, IL 60503.
I hereby elect to cancel this contract.
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