Legal
Terms
What this website is, and what the engagement it describes would actually commit both sides to.
Required notice
Your three-day right to cancel
You may cancel your contract with Uptick Credit, without penalty or obligation, at any time before midnight of the third business day after the date on which you signed it.
Your written contract carries a separate Notice of Cancellation form, in duplicate, printed in the same type size as the contract itself. You do not have to give a reason. You do not have to use our form — any written notice delivered to us by the deadline is sufficient. Nothing is charged.
Credit Repair Organizations Act, 15 U.S.C. §1679e.
1. This is a demonstration website
Uptick Credit LLC does not exist. It is a fictional business created to demonstrate a design system. The staff are fictional, the registration and bond numbers on this site are placeholders, the sample credit files are invented, and the progress cards are illustrative composites rather than real clients.
Nothing on this site is legal, tax, credit or financial advice. No client relationship of any kind is created by reading it or by using any form on it. No form on this site transmits data.
2. Use of this site
You may read, print and quote this site freely, including the do-it-yourself guide, which exists to be used. You may not present it as your own, and you may not represent that the fictional business described here is real.
The site is provided as-is. It links to third-party resources — annualcreditreport.com, the CFPB, the FTC — over which we have no control and for which we take no responsibility, other than to say that those three are the right ones to use.
3. Accuracy of the statutory material
The descriptions of the Credit Repair Organizations Act, the Fair Credit Reporting Act and the Fair Debt Collection Practices Act on this site are written to be accurate as at the date above, and the statutory disclosure on the rights page reproduces the form prescribed by 15 U.S.C. §1679c(a).
They are summaries, and a summary is not the statute. State law varies, particularly on statutes of limitation and on the registration of credit service organisations. If a real decision turns on any of it, read the statute or talk to a consumer attorney.
4. Terms the described engagement would carry
The remainder of this page sets out the terms a CROA-compliant engagement of this kind would carry, written as they would be written.
4.1 No advance fee
No money is charged or received before the promised services have been fully performed. There is no setup fee, retainer, deposit or file-audit charge. An invoice exists for a cycle of work only after that cycle is complete.
4.2 Written contract
Before any services begin you receive a written contract, signed and dated, stating the services to be performed, the total amount to be paid, when payment is due, an estimate of the time performance will take, and any guarantee offered — of which there are none, because none can lawfully be given about a credit file.
4.3 Three-day right to cancel
You may cancel without penalty or obligation at any time before midnight of the third business day after signing. A separate Notice of Cancellation form is supplied in duplicate with the contract. See the notice at the top of this page.
4.4 What is promised, and what is not
- Promised: that your file will be read line by line; that every item proposed for dispute will be shown to you with the specific defect named; that disputes will be filed and tracked with dated receipts; that every response will be passed to you unedited with our reading of it.
- Not promised, and not promisable: a score increase, a point range, a timeframe for any outcome, the removal of any specific item, or the removal of accurate, current and verifiable information — which cannot lawfully be removed by anyone.
4.5 Your obligations
- Give us accurate information. A dispute built on inaccurate information is a dispute we cannot lawfully file.
- Approve each item before it is filed. Nothing goes out that you have not seen.
- Forward the correspondence you receive from bureaus and furnishers, promptly, since the clock runs from dates on those documents.
- Keep your accounts current. No dispute outcome survives a new delinquency.
4.6 Termination
Either side may end the engagement at any time, in writing, with no notice period and no termination fee. You owe nothing for work not performed. Your file and all correspondence remain yours and are provided to you on request.
4.7 Limitation of liability
Any waiver of a right under the Credit Repair Organizations Act is void, and nothing here waives one. Subject to that, liability for the services would be limited to the fees paid for the cycles in question. This paragraph does not limit liability for fraud, wilful misconduct, or anything else that cannot lawfully be limited.
4.8 Governing law
Florida law, and the federal statutes named above. Any dispute would be heard in Hillsborough County, Florida.
5. Complaints
On a live site: to us first, at [email protected]. Then to the Consumer Financial Protection Bureau, to the Federal Trade Commission, and to the Florida Department of Agriculture and Consumer Services. All three are listed with links on the rights page, which is where a company that expected to be reported would not have put them.