Consumer Disclosures
Mandatory disclosures under the federal Credit Repair Organizations Act (CROA) and Florida's Credit Service Organizations Act (Fla. Stat. §817.7001–7016).
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: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Avenue NW, Washington, DC 20580. (877) 382-4357 · ftc.gov.
Florida Credit Service Organization Disclosure
Shield Credit Professionals is registered as a Credit Service Organization with the State of Florida, Department of Agriculture and Consumer Services, pursuant to Chapter 817, Part III, Florida Statutes.
- Florida CSO Registration Number: [Pending registration — to be displayed here once issued]
- Surety Bond: $10,000 surety bond on file with the Florida Department of Agriculture and Consumer Services as required by Fla. Stat. §817.7005.
- Bond claimant rights: Any consumer who is damaged by a violation of this act, or by the credit service organization's breach of contract, may bring an action against the surety bond.
What we will not do
- We will not charge or accept any money or other valuable consideration before fully performing the services we have agreed to perform.
- We will not make, counsel, or assist any consumer to make any statement that is untrue or misleading to a consumer reporting agency or creditor.
- We will not advise creating a new credit identity (file segregation) using an Employer Identification Number, CPN, or other false identifier.
- We will not guarantee specific score improvements or item removals — results vary based on the accuracy and verifiability of each consumer's credit file.
Three-Day Right of Cancellation
You, the buyer, may cancel this contract, without any penalty or obligation, at any time before midnight of the third business day after the date on which you signed the contract. To cancel this contract, mail or deliver a signed and dated copy of a written cancellation notice, or any other written notice, to Shield Credit Professionals at the address shown below before midnight of the third business day after the date you signed the contract.
Shield Credit Professionals · 7025 County Rd. #46A Ste. 1071 Unit 145, Lake Mary, FL 32746 · support@shieldcreditpros.com
Last updated: June 2026. This page summarizes consumer rights but does not replace the written disclosures and contract you will receive before any services are rendered.