PaperMint Key

Credit Repair Disclosure Statement


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 for obtaining said credit report. 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 may cancel this contract without penalty or obligation at any time before midnight of the 5TH working day after the date on which you signed the contract. See the below notice of cancellation form for an explanation of this right.

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




You may cancel the service agreement for any credit repair service, without any penalty or obligation, before midnight on the 5TH working day after you sign it. You may also cancel this Agreement at any time without a cancellation fee.

If you cancel, any advanced payment made by you under this contract must be returned within 15 working days following receipt by the seller of your cancellation notice.

To cancel this contract, mail or deliver a signed and dated copy of this cancellation notice, or any other written notice, to

PaperMint Key
260 Newport Center Drive, Suite 100
Newport Beach, CA 92660

or emailed to no later than midnight of July 29, 2024.

I hereby cancel this agreement.


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Document name: Credit Repair Disclosure Statement
lock iconUnique Document ID: 6e67d050416681c80ecf78bc74e7829649b7a95b
Timestamp Audit
June 25, 2024 2:51 pm GMTCredit Repair Disclosure Statement Uploaded by Nyoko Thompson - IP
June 25, 2024 2:52 pm GMTDisclosure Notification - added by Nyoko Thompson - as a CC'd Recipient Ip:
June 25, 2024 2:52 pm GMTCM Team Consultants - added by Nyoko Thompson - as a CC'd Recipient Ip: