Consumer Disclosure

Consumer Credit File Rights Under State and Federal Law

You have a right to obtain a copy of your credit report from each of the three major credit reporting agencies — Equifax, Experian, and TransUnion — once every 12 months at no cost. You may request your free annual reports at annualcreditreport.com.

You have the right to dispute any incomplete or inaccurate information on your credit report with the credit bureau that furnished the report, at no charge. You may do this yourself without hiring any credit repair organization.

Nothing in this disclosure or in any service agreement is intended to limit or waive any right you have under state or federal law, including the Fair Credit Reporting Act and the Credit Repair Organizations Act.

No Guarantee of Results

KT Credit Solutions does not guarantee the removal of any specific item from your credit report or any specific change to your credit score. Results vary based on your individual credit file, the accuracy and age of reported items, and the responses of credit bureaus and furnishers.

Right to Cancel

You may cancel your service contract within three (3) business days of signing without any penalty or obligation. Your written agreement includes cancellation instructions and a cancellation form. If you cancel within this period, you owe nothing.

Fees and Billing

KT Credit Solutions charges a one-time onboarding fee and a month-to-month service fee for ongoing credit repair work. No fee is charged before the corresponding services are performed. Monthly fees are billed after each month's work is completed. You may cancel at any time.

A separate, third-party credit monitoring subscription is required for our service so that we can review your reports without generating hard inquiries. This monitoring is billed directly by the monitoring provider and is separate from your KT Credit Solutions service fee. Confirm current monitoring pricing with your advisor.