Return and Cancellation Policy: All transactions are final; no refunds or cancellations are honored. Under the Fair Credit Reporting Act (FCRA) all notices of dispute must be provided in written form within 30 days of initial notification of account handling.

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Consumer Financial Protection Bureau regulation 12 C.F.R. § 1022.43 states a direct dispute notice
must include:
(1) sufficient information to identify the account or other relationship that is in dispute, such as an
account number and the name, address, and telephone number of the consumer, if applicable;
(2) the specific information that the consumer is disputing and an explanation of the basis for the
dispute; and
(3) all supporting documentation or other information reasonably required by the furnisher to
substantiate the basis of the dispute.
This documentation may include a copy of the relevant portion of the consumer report that contains
the allegedly inaccurate information, a police report, a fraud or identity theft affidavit, a court
order, or account statements. Should you have additional information or documentation to support
your claim of dispute, please feel free to send us that information along with any additional
supporting facts. In acknowledgement of your dispute, we have requested the account be reported
with consumer reporting agencies as disputed. Consumer reporting agencies may take up to 30
days or longer to update reports and this is beyond our control.