Last update: November 1, 2025 

In Prostart Financial Consulting LLC We believe that an informed consumer is a protected consumer. Our commitment is to give you access to your rights, whether you work with us or choose to do so on your own.

Here you will find a clear summary of the laws that protect you, official resources and agency contacts so that you always have control of your financial information.

What rights does the CROA (Credit Repair Organizations Act) give me?

  • You have the right to a written contract that clearly explains the services offered.
  • You have the right to cancel the contract within the first 3 business days, at no cost or penalty.
  • You have the right to You won't be charged anything upfrontPayment is only made once the services have been completed.

 

What rights does the FCRA (Fair Credit Reporting Act) give me?

  • Right to accuracyOnly accurate information should appear on your credit report.
  • Right to privacyYour credit information can only be shared with those who have a legitimate purpose.
  • Right to correctionIf you find errors, you have the right to dispute them and have them investigated.

 

What rights does the FDCPA (Fair Debt Collection Practices Act) give me?

  • Debt collectors They can't harass you or call you at inappropriate times.
  • They can't I won't threaten you or lie to you about the debt.
  • You can demand that they communicate only in writing.
  • You have the right to dispute a debt if you believe it is not valid.

 

How do I get my credit report for free?

You have the right to a free annual report from each credit agency.
The only official website authorized by the government is:
👉 AnnualCreditReport.com

What is a fraud alert or a credit freeze?

  • Fraud alert: Notify lenders to verify your identity before approving credit on your behalf.
  • Credit freeze: Lock your credit file so no one can open new accounts without your permission.

You can request these services directly from the credit agencies:

  • Equifax: equifax.com | 📞 1-800-685-1111
  • Experian: experian.com | 📞 1-888-397-3742
  • TransUnion: transunion.com | 📞 1-800-916-8800

Who can I contact if I have a complaint?

  • CFPB (Consumer Financial Protection Bureau): protects financial consumers.
    👉 consumerfinance.gov
  • FTC (Federal Trade Commission): It regulates companies and protects against fraud.
    👉 ftc.gov

In Prostart Financial Consulting LLC  we believe that:

“An informed consumer is our best customer.”

We want you to know all your rights, whether you work with us or not. Our commitment is to transparency, education, and your financial growth.