WELCOME
Thank you for choosing The Bishop of Credit, a family company. We are thrilled that you have chosen to begin working on your credit file. As you know, credit affects every area of your life. From the ability to purchase a home to the way employers view your application. Those living with bad credit understand the challenges it causes including:
High-interest rates on home mortgages, auto loans, credit cards, student loans etc.
Unwilling lenders/creditors
Unmanageable debt
High insurance premiums
Fewer job opportunities
By law information reported on you must be fair, accurate, substantiated and verifiable. With our process, we will help to make sure debt collectors and credit bureaus can’t abuse these standards.
There is no quick fix for creditworthiness. It takes time and a conscious effort and suggests at least six months to maximize your credit growth. We will legitimately assist in repairing your credit report. You have made the first step to a positive change.
We look forward to working with you and putting your credit score and credit file back into your control.
OUR Promise
Provide professional advice and Consulting on how to repair and maintain good credit.
Assist in disputing inaccurate items on your credit report.
Complete a timely review with you when your credit file is updated.
All paperwork and private information shall be held highly confidential as stated in the Privacy Act and Consumer Protection Act.
The one-time cost of 799.00 is your Credit Education Consulting fee for a 6-month program. It is the client's responsibility to call in for verbal credit education since everyone’s level of educational needs are different. Standard educational information is also provided in your client portal. Your program will end once your credit education and repair has been deemed completed by The Bishop or 6 months.
This Program includes the following amenities:
▪ Full Credit Report Audit
▪ Credit Education
▪ Client Portal
▪ The MAXIMUM inaccurate credit reporting disputes sent on your behalf free each month
▪ Securing Credit
▪ Challenging Credit Inquiries
CLIENT OBLIGATION
By choosing a payment arrangement your final Payment is due in 30 days. Deposit programs are non-refundable. If your full payment is not completed within 30 days, your account will be paused. You will be given a 7 day grace period to complete full payment without losing your deposit. After 7 days your deposit is forfeited and your account is closed.
Please do not apply for any new credit while The Bishop of Credit is assisting in repairing your credit files. It will not help and possibly harm the progress that we have made and a contractual violation. The Bishop takes advantage of free credit reporting sites to reduce the cost for you. Please do not change any login information to these sites, which is included in your welcome package. If your login information is changed, please forward this information to us immediately. We are not responsible for the halt or pause of credit repair due to the inability to login into your credit reports. If we are unable to acquire a free credit report from any of the three credit bureaus, it is your responsibility to acquire that report so information can be disputed. The Bishop of Credit does not make any promises or guarantees, as it is against credit repair law but we are proud to let you know that we are very aggressive.
I have read this entire contract and understand the obligation process. I may cancel this contract without penalty or obligation at any time before midnight of the 3rd business day after the date on which I signed the contract. See the attached notice of cancellation for an explanation of this right.".
PRIVACY NOTICE
This privacy notice explains The Bishop of Credit, privacy policies and practices, the type of information we collect and how you can direct us not to share certain information with third parties. The practices described in this policy apply to current and past clients who do business with The Bishop of Credit. The policy also explains how we protect the confidentiality and security of our client’s information.
1. The Bishop of Credit collects non-public personal information about you from the following sources:
a. Information we receive from your application with The Bishop of Credit
b. Information we receive from the Credit Bureaus
c. Information we receive from our affiliates or other third parties
2. The Bishop of Credit, will not disclose non-public personal information about you without written authorization.
3. To protect your non-public personal information, we maintain company safeguards.
Fair Credit Reporting Act
The Fair Credit Reporting Act gives you the right to accurate credit reporting. You can exercise that right by having your inaccurate credit items either verified as accurate or deleted from your credit reporting according to the Fair Credit Reporting Act. A Credit Repair Company provides a service to assist the client in disputing inaccurate items on the credit report.
Consumers have the right to attempt to repair their credit on their own. However, The Bishop of Credit offers professional consultation to assist in the credit repair process. We have proven methods and processes that will effectively remove inaccurate information on your credit report. Our service is not guaranteed to remove every item on all credit bureaus. However, we strive to remove every item within the legal bounds of the Fair Credit Reporting Act.
I have read and understood my rights in accordance with the Fair Credit Reporting Act.
Notice of Cancellation
The Bishop of Credit strives to have 100% satisfied clients and we stand behind our credit repair service.
To cancel this contract, please call to speak to a representative before midnight, of the 3rd day of starting service.
GDPR Privacy Policy
We have updated our privacy policy for compliance with the General Data Protection Regulation (GDPR). Please take notice of the following:
We take your privacy seriously and will only use your personal information to administer your account and to provide the products and services you have requested from us. However, from time to time we would like to contact you with details regarding your account with us by email and by text messaging. We will ONLY share your personal information with third-party agencies for the completion of the services you have requested from us.
Below is clear information regarding the data we collect. By signing up for our services or continuing your services, you agree to the previous Policy as well as the updated GDPR Privacy Policy.
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What data do we collect and why do we need it?
We collect any and all types of personal identifying information upon signing up for our services in order to complete your requested credit services and visitor tracking.
How long do we retain your records?
We retain your records for 5 years Max.
Who do you share it with?
We only share your information with Credit Bureaus to retain your credit reports. From time to time, we may post photos of your credit score increases but will not post any names or identifying information.
How can I access my information, change it or delete it?
You may log in to your client portal to access your information. To change or delete any information please contact by phone at 1-866-410-1717 or email us at INFO@BISHOPOFCREDIT.COM
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".
I acknowledge that I have received a copy of the Consumer Credit File Rights under State and Federal Law in accordance with the Consumer
Credit Protection Act.
