Credit Repair Organizations Act (CROA) Disclosure
Rick Jefferson Solutions is fully compliant with the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). As a consumer, you have specific rights under this federal law:
Your Consumer Rights Under CROA
- Right to Dispute Directly: You have the right to dispute inaccurate information in your credit report directly with the credit bureau at no cost. Contact:
- Free Credit Reports: You are entitled to a free copy of your credit report from each bureau once every 12 months. Visit AnnualCreditReport.com or call 1-877-322-8228.
- No Upfront Fees: Credit repair organizations cannot charge fees until services have been fully performed. We comply with this requirement.
- 3-Day Cancellation Right: You have the right to cancel your contract within 3 business days of signing without any penalty or obligation.
- No Guaranteed Results: We cannot and do not guarantee that we can improve your credit score, remove negative items, or produce specific results.
- Accurate Information Cannot Be Removed: Credit bureaus are only required to remove information from your credit report if it is inaccurate, incomplete, or unverifiable. Accurate information cannot be removed.
- Timeline: The credit repair process typically takes 3-6 months. Credit bureaus have 30 days to investigate disputes by federal law.
- Written Contract Required: You will receive a written contract explaining all services to be performed, total cost, payment terms, and your cancellation rights before any work begins.
⚠️ Beware of Credit Repair Scams
The FTC warns consumers to avoid credit repair companies that:
- Ask for payment before providing services
- Promise to remove accurate negative information
- Suggest creating a new credit identity
- Tell you not to contact credit bureaus directly
- Don't explain your legal rights
Rick Jefferson Solutions complies with all CROA requirements and will never engage in these illegal practices.
Telemarketing Sales Rule (TSR) Compliance
Rick Jefferson Solutions complies with the Federal Trade Commission's Telemarketing Sales Rule (16 CFR Part 310). This rule protects consumers from deceptive and abusive telemarketing practices.
Your TSR Rights
- Do Not Call: We respect the National Do Not Call Registry. If you've registered your number, we will not contact you unless you've given express written consent.
- Calling Hours: We will only call between 8:00 AM and 9:00 PM in your local time zone.
- Consent Required: Before we contact you by phone, email, or text message, we will obtain your written consent.
- Revoke Consent: You may revoke consent to be contacted at any time by:
- Caller ID: Our calls will display our business name and phone number on Caller ID.
Fair Credit Reporting Act (FCRA) Information
The Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) gives you specific rights regarding your credit information:
Your FCRA Rights
- You have the right to know what's in your credit file
- You have the right to dispute incomplete or inaccurate information
- Credit bureaus must investigate disputes within 30 days (45 days if additional information provided)
- Credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information
- You can seek damages from violators in state or federal court
- Identity theft victims have additional rights
How Long Information Stays on Your Credit Report
| Type of Information |
Duration |
| Late Payments |
7 years from original delinquency date |
| Collections / Charge-offs |
7 years from original delinquency date |
| Chapter 7 Bankruptcy |
10 years from filing date |
| Chapter 13 Bankruptcy |
7 years from filing date |
| Tax Liens (unpaid) |
Indefinitely (until paid) |
| Tax Liens (paid) |
7 years from payment date |
| Civil Judgments |
7 years from filing date |
| Foreclosures |
7 years from foreclosure date |
| Hard Inquiries |
2 years (only impact score for 1 year) |
Terms of Service
Effective Date: January 6, 2026
1. Services Provided
Rick Jefferson Solutions provides credit repair services including but not limited to:
- Credit report analysis from all three major bureaus
- Dispute letter preparation and submission
- Creditor and collection agency negotiations
- Credit education and coaching
- Credit building strategies and recommendations
- Identity theft recovery assistance
- Mortgage readiness program services
2. Service Terms
- Payment: Services are billed monthly in advance. No fees are charged until services have been fully performed for that month.
- Contract Duration: Month-to-month service. No long-term contract required.
- Cancellation: You may cancel at any time by providing written notice (email acceptable). Services continue through the end of the current billing period.
- 3-Day Right to Cancel: You have 3 business days from signing the contract to cancel without penalty.
- Refunds: Subject to our 90-day money-back guarantee (see Refund Policy below).
3. Client Responsibilities
To receive services, clients must:
- Provide accurate personal and financial information
- Respond to requests for information or documentation in a timely manner
- Make monthly payments on time
- Not dispute items on your own while enrolled in our program (to avoid conflicting disputes)
- Follow credit building recommendations to maximize results
4. Limitations of Service
We cannot and do not:
- Guarantee specific credit score increases
- Guarantee removal of specific items
- Provide legal advice (we recommend consulting an attorney for legal issues)
- Remove accurate, verifiable information from credit reports
- Create new credit identities or advise illegal tactics
90-Day Money-Back Guarantee & Refund Policy
Our Guarantee
We stand behind our services with a 90-day money-back guarantee:
If we do not successfully remove at least one (1) negative item from your credit report within 90 days of enrollment, we will refund 100% of all fees paid.
Refund Request Process
- Submit refund request in writing (email acceptable) to info@rickjeffersonsolutions.com
- Include your name, account number, and reason for refund request
- Requests must be submitted between days 90-100 of service
- We will verify no negative items were successfully removed
- Refund processed within 10 business days via original payment method
Exceptions to Guarantee
The 90-day guarantee does not apply if:
- Client did not provide requested documentation or information
- Client disputed items on their own while enrolled
- Client's credit report had no inaccurate, incomplete, or unverifiable negative items to dispute
- Client canceled service before 90 days
Privacy Policy
Last Updated: January 6, 2026
Information We Collect
To provide credit repair services, we collect:
- Personal Information: Name, date of birth, Social Security number, address, phone, email
- Financial Information: Credit reports, credit scores, account information
- Communication Records: Emails, phone calls, text messages
- Payment Information: Credit card or bank account details for billing
How We Use Your Information
- To provide credit repair services
- To communicate with you about your account
- To submit disputes to credit bureaus, creditors, and collectors
- To process payments
- To comply with legal requirements
Information Sharing
We do NOT sell, rent, or share your personal information with third parties for marketing purposes.
We only share information with:
- Credit bureaus (Experian, Equifax, TransUnion) - for dispute processing
- Creditors and collection agencies - when submitting disputes
- Payment processors - to process your payments securely
- Legal authorities - when required by law
Data Security
We protect your information using:
- 256-bit SSL encryption for data transmission
- Secure, encrypted file storage
- Access controls and authentication
- Regular security audits and updates
- Employee confidentiality agreements
Your Privacy Rights
You have the right to:
- Access your personal information we maintain
- Request corrections to inaccurate information
- Request deletion of your information (after service completion)
- Opt-out of marketing communications
- Receive a copy of your data in portable format
To exercise these rights, contact us at info@rickjeffersonsolutions.com
Disclaimers & Limitations
No Guaranteed Results
Rick Jefferson Solutions cannot and does not guarantee:
- Specific credit score increases
- Removal of specific negative items
- Approval for loans, credit cards, or mortgages
- Specific timelines for results
Results vary based on individual credit situations, accuracy of information, and credit bureau responses.
Accurate Information
We can only assist with disputing information that is inaccurate, incomplete, or unverifiable. We cannot remove accurate, verifiable information from your credit report. Credit bureaus are legally required to maintain accurate information even if it's negative.
Not Legal Advice
Our services do not constitute legal advice. For legal matters, please consult a licensed attorney. We are credit repair specialists, not lawyers.
State-Specific Information
Texas Consumers: Rick Jefferson Solutions is located in Frisco, Texas and serves clients nationwide. Texas residents may contact the Texas Attorney General's Office with complaints:
- Office of the Attorney General
- Consumer Protection Division
- P.O. Box 12548, Austin, TX 78711-2548
- Phone: 1-800-621-0508
- Website: texasattorneygeneral.gov
Complaint Procedures
We strive to provide excellent service. If you have a concern or complaint:
Step 1: Contact Us Directly
Email: info@rickjeffersonsolutions.com
Phone: (866) 752-4618
Mail: 5 Cowboys Way Ste 300, Frisco, TX 75034
We will respond within 2 business days and work to resolve your concern.
Step 2: Escalate to Management
If not resolved to your satisfaction, request to speak with Rick Jefferson directly.
Step 3: File a Complaint with Regulatory Agencies
If your complaint remains unresolved, you may file a complaint with:
Federal Trade Commission (FTC)
Consumer Response Center
600 Pennsylvania Avenue NW
Washington, DC 20580
Phone: 1-877-FTC-HELP (1-877-382-4357)
Website: ftc.gov
Online Complaint: ftccomplaintassistant.gov
Texas Attorney General
Consumer Protection Division
P.O. Box 12548
Austin, TX 78711-2548
Phone: 1-800-621-0508
Website: texasattorneygeneral.gov