Credit Repair Disclosures

• You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. There is no fee for this.
• Credit bureaus must investigate disputes (unless frivolous) generally within 30 days, free of charge.
• You have the right to add a brief statement to your file disputing information if the investigation doesn't resolve your dispute.
• You are entitled to a copy of your credit report, typically free once per year from each bureau.
• You do not have to pay a fee to have accurate, current information corrected or removed from your file.
• You have the right to sue a credit repair organization that violates the Credit Repair Organizations Act.
• Credit repair organizations may not charge or collect payment until they have fully completed the services promised.

You may cancel your contract with Monarch Credit Repair, without penalty or obligation, at any time before midnight of the third business day after the date you sign it.

To cancel, you may:

• Send a signed and dated written notice of cancellation, or
• Use the cancellation form provided with your written enrollment agreement,

delivered or mailed to us at [insert business name and address before publishing] before the cancellation deadline stated on your enrollment agreement.

Before you pay anything or services begin, your written enrollment agreement will set out:

• The services to be performed, and an estimated timeframe
• Total cost and payment terms — collected only after services are fully performed
• Our business name and principal address
• Your right to cancel as described above, including a cancellation form

Monarch Credit Repair cannot and does not guarantee that any item will be removed from your credit report, or that your credit score will improve.