Consumer rights

Last update: 14 September 2025

In True Path Financial Services LLC we believe that an informed consumer is a consumer protected. Our commitment is to give you access to your rights, whether you work with us or decide to do it on your own.

Here you will find a clear overview of the laws that protect you, official resources and contacts of agencies so you're always in control of your financial information.

 What rights it gives me the CROA (Credit Repair Organizations Act)?

• You have the right to a written contract to clearly explain the services offered.
  
  
• You have the right to to cancel the contract within the first 3 business daysfree , without cost or penalty.
  
  
• You have the right to 't charge you for anything in advance. You only pay after the services have been completed.
  
  

What rights it gives me the FCRA (Fair Credit Reporting Act)?

• The right to the accuracy: you should only receive correct information on your credit history.
  
  
• The right to the privacy: your credit information can only be shared with those who have a legitimate purpose.
  
  
• The right to the correction: if you encounter errors, you have the right to disputarlos and to be investigated.
  
  

What rights it gives me the FDCPA (Fair Debt Collection Practices Act)?

• The debt collectors can't harass or to call you in for hours inadequate.
  
  
• Can't threaten you or to lie on the debt.
  
  
• You can require that communicate only by writing.
  
  
• You have the right to to dispute a debt if you think that is not valid.
  
  

How do I get my free credit report?

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

What is a fraud alert or a freeze on credit?

• Fraud alert: notifies lenders that verify your identity before issuing credit in your name.
  
  
• Freezing of credit: hang your credit file so that no one can open new accounts without your permission.
  
  

You can request these services directly with the credit bureaus:

• 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): protect financial consumers.
  👉 consumerfinance.gov
  
  
• FTC (Federal Trade Commission): regulates businesses and protects against fraud.
  👉 ftc.gov
  
  

How can I fix my credit myself?

✅ Yes. The law gives you that right.
We exist to guide you, to save you time and errors, but you have the power to do this on your own if you prefer.

In True Path Financial Services LLC we believe that:

“An informed consumer is our best customer.”

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