BLUEPRINT FORWARD

FCRA DISCLOSURE & CONSUMER RIGHTS

Consumer Credit File Rights & Disclosures

Required Notice Under the Credit Repair Organizations Act

15 U.S.C. §1679 et seq.

Effective Date: January 1, 2025

Business Name: Blueprint Forward Consulting, LLC

IMPORTANT NOTICE TO CONSUMERS

The Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA) provide you with important rights and protections.

This notice is provided pursuant to federal law.

1. YOUR RIGHTS UNDER FEDERAL LAW

You have the legal right to:

✅ Dispute credit report errors yourself at no cost by contacting the credit reporting agencies (also known as credit bureaus) directly

✅ Obtain a free credit report every 12 months from each of the three major credit bureaus

✅ Add a consumer statement to your credit file to explain disputed items or provide context

✅ Know who has accessed your credit report in the past 12-24 months

✅ Sue a credit repair organization that violates the Credit Repair Organizations Act

✅ Cancel any credit repair contract within 3 business days without penalty or obligation

✅ Exercise these rights without using a credit repair company

2. HOW TO DISPUTE CREDIT REPORT ERRORS YOURSELF

You can dispute inaccurate information on your credit reports yourself, at no cost, by contacting the credit bureaus directly:

Experian

📞 Phone: 888-397-3742

🌐 Website: experian.com/disputes

📧 Dispute Center: Available through website

📍 Mail: Experian, P.O. Box 4500, Allen, TX 75013

Equifax

📞 Phone: 800-685-1111

🌐 Website: equifax.com/personal/credit-report-services

📧 Dispute Center: Available through website

📍 Mail: Equifax Information Services LLC, P.O. Box 740241, Atlanta, GA 30374

TransUnion

📞 Phone: 800-916-8800

🌐 Website: transunion.com/credit-disputes

📧 Dispute Center: Available through website

📍 Mail: TransUnion LLC, P.O. Box 2000, Chester, PA 19016

⚠️ Warning: Be cautious of websites that claim to offer "free credit reports" but require credit card information or charge subscription fees. The ONLY authorized source for truly free annual credit reports is annualcreditreport.com.

Additional Free Report Circumstances

You may be entitled to additional free credit reports if:

You've been denied credit, employment, or insurance based on your credit report (within 60 days)
You're unemployed and seeking employment
You're on public assistance
You believe your report contains errors due to fraud or identity theft
You live in certain states with additional free report provisions

3. What We Do NOT Do

Blueprint Forward does not:

Lend money or provide financing
Make credit decisions or approve loans
Provide legal advice or legal representation
Provide tax advice or accounting services
Act as attorneys, CPAs, or fiduciaries
Guarantee specific outcomes or credit score increases
Control the actions of creditors, credit bureaus, or lenders
Remove accurate, timely, or verifiable information from credit reports

All decisions regarding credit reporting and lending are made solely by third parties (credit bureaus, creditors, lenders) according to federal law.

4. YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT (FCRA)

The Fair Credit Reporting Act (15 U.S.C. §1681) provides you with important rights regarding your credit information:

Right to Accurate Information

Credit bureaus must ensure the information in your file is accurate
They must investigate disputes within 30-45 days
They must correct or delete inaccurate, incomplete, or unverifiable information

Right to Dispute

You can dispute any information you believe is inaccurate or incomplete
Credit bureaus must investigate unless your dispute is frivolous
Creditors must also investigate disputes and report results to bureaus

Right to Add a Consumer Statement

If a dispute doesn't resolve in your favor, you can add a 100-word statement to your file
This statement will be included in future credit reports

Right to Know Who Has Accessed Your Report

Credit bureaus must provide a list of everyone who has accessed your report:
1. 2 years for inquiries related to employment
2. year for all other inquiries (credit applications, etc.)

Right to Notification

If you're denied credit, insurance, or employment based on your credit report, the company must:
1. Provide you with the name and contact information of the credit bureau that provided the report
2. Inform you of your right to obtain a free copy of the report
3. Inform you of your right to dispute inaccurate information

Right to Limit Pre-Screened Credit Offers

You can opt out of pre-screened credit card and insurance offers
Call 1-888-567-8688 or visit optoutprescreen.com

Right to Place Security Freezes

You can place a security freeze on your credit file to prevent new credit from being opened in your name
Freezes are free and must be lifted before you apply for credit

5. WHAT BLUEPRINT FORWARD CONSULTING DOES

Blueprint Forward Consulting is a credit repair organization as defined by the Credit Repair Organizations Act (CROA).

We provide:

Credit report analysis and review
Identification of inaccurate, incomplete, or unverifiable information
Preparation and submission of dispute letters on your behalf
Communication with credit bureaus and creditors regarding your disputes
Credit strategy consultation and ongoing monitoring
Identity theft recovery assistance
Business credit and funding consultation

We do this work for a fee. You may do this work yourself at no cost.

6. NO GUARANTEES OR PROMISES

Blueprint Forward Consulting, LLC does NOT guarantee:

❌ Specific credit score increases

❌ Deletion of accurate, timely, or verifiable information

❌ Approval for loans, credit cards, or mortgages

❌ Approval for business funding or SBA loans

❌ Removal of all negative items

❌ Specific timeframes for results

❌ Any particular outcome

Results vary based on:

Your specific credit history and profile
Accuracy and verifiability of information on your credit reports
Credit bureau and creditor responses to disputes
Legal requirements and investigation timelines (30-45 days)
Actions taken by data furnishers
Federal and state credit reporting laws

Any estimate provided is informational only and does not constitute a guarantee.

7. PAYMENT DISCLOSURE (CROA REQUIREMENT)

Federal law (CROA) strictly prohibits credit repair companies from charging or collecting fees BEFORE services are performed.

Blueprint Forward Consulting complies with CROA:

Blueprint Forward does NOT:

✅ We do not charge or collect advance fees for credit repair services

✅ Fees are earned only after services are performed each month

✅ First-month fees are billed after initial credit analysis and first dispute round

✅ Subsequent monthly fees are billed after ongoing dispute management is completed

Exception: Consulting and advisory services (business formation, strategic consulting) that are not subject to CROA may be billed upfront.

Payment terms are disclosed separately in your service agreement before you sign.

8. YOUR RIGHT TO CANCEL

Under the Credit Repair Organizations Act (CROA), you may cancel any credit repair contract within three (3) business days of signing, without penalty or obligation.

To cancel:

📧 Email: [email protected]

📞 Phone: 863-513-7257

📍 Mail: Blueprint Forward Consulting, LLC

[Business Address]

Tampa, FL [Zip Code]

Your cancellation notice must:

Be in writing (email, certified mail, or electronic signature platform)
Include your name and date of service agreement
Be received within 3 business days of signing

Cancellation is effective immediately upon receipt. You will not be charged any fees for work not yet performed.

9. IDENTITY THEFT SERVICES

If you engage our identity theft recovery services:

You certify that:

All information provided is truthful and accurate
All fraud claims are legitimate and verifiable
FTC Identity Theft Reports and police reports (if provided) are genuine
You understand that false fraud claims may constitute federal and state offenses