Client Rights

• You have the right to review any file maintained on you by any consumer reporting agency as provided under the Federal Fair Credit Reporting Act, 15 U.S.C.s 1681(t). You also have the right to dispute directly with the consumer-reporting agency the completeness or accuracy of any item contained in any file maintained by the consumer-reporting agency.
• You may review your consumer reporting agency file at no charge if a request is made to the consumer-reporting agency within 30 days after receiving notice that credit has been denied.
• You have the 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 unemployment 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.
• If requested by your creditors you must surrender your credit cards and accounts directly to your creditor. Creditors do reserve the right to close any account placed for repayment with a debt management program.
• Accurate information cannot be permanently removed from the file of a consumer-reporting agency.
• DMA does not notify credit-reporting agencies of your participation in the Program. DMA assumes no responsibility with regard to any possible changes to your credit report based on information reported by your creditors.
• You have the right to dispute directly with a consumer-reporting agency the completeness or accuracy of any item contained in any file maintained by the consumer-reporting agency.
• "Extension" or "deferment" payments refer to payment of the interest only portion of the installment currently or past due to your creditors. These type of payments may be used to help bring current a bill that is delinquent, to avoid additional late charges. As a result, one or all of the following consequences may result: you may be indebted to that particular creditor for a longer period of time than for which you originally contracted with that creditor and/or you may pay more money to that creditor in interest on your debt; however the granting of an extension or deferment shall not appear as a negative item on your credit report.