Disclosures
Company Information
Credit Panda
Phone: 302-545-9276
Address: 2039 Philidelphia Pike Ste 7189 Claymont, DE 19703
Email: hello@creditpanda.com
1. General Disclaimers
No Guarantee of Removals or Specific Results
Credit Panda provides credit education, document preparation, and credit report analysis services. We do not and cannot guarantee that your credit score will increase, nor can we guarantee that any specific negative item—including but not limited to collections, late payments, charge-offs, bankruptcies, or inquiries—will be permanently removed from your credit profile.
Individual Results May Vary
Every consumer's credit situation is unique. Your results will depend on a variety of factors, including the accuracy of the items on your credit report, your ongoing financial behavior (such as making on-time payments and keeping balances low), and the responses from credit bureaus and creditors.
Past Performance Does Not Guarantee Future Results
Any testimonials, reviews, or examples of past client success on this website are not guarantees of future performance. Success with past clients does not ensure that you will achieve the same or similar results.
2. 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
3. Notice of Right to Cancel
You may cancel your contract with Credit Panda, without any penalty or obligation, at any time before midnight of the 3rd business day which begins after the date the contract is signed by you.
To cancel your contract, mail or deliver a signed, dated copy of the cancellation notice provided in your contract, or any other written notice, to:
Credit Panda
2039 Philidelphia Pike Ste 7189 Claymont, DE 19703
