AOB Academy

AOB Academy Terms of Use

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

AOB Academy is a cloud-based credit repair software solution that provides consumers with the resources and tools to quickly and easily perform and manage all aspects of the credit repair process on their own. By opening a AOB Academy account you agree to the Terms of Use and Privacy Policy and you will have access to the following features:

Link your Credit Reports and Scores

Automatically link your credit reports and scores from all 3 credit bureaus with a new or existing account through one of our credit monitoring partners.

Evaluate your Credit Reports and Scores

Evaluate your current credit reports from all 3 credit bureaus to identify potentially inaccurate, erroneous, false, or obsolete information which is negatively affecting your credit scores.

Create Credit Bureau Dispute Letters

Quickly and easily create effective dispute letters for the dispute of potentially inaccurate, erroneous, false, or obsolete information for any accounts on your credit reports. The AOB Academy platform enables you to create unlimited dispute letters for all types of accounts listed on your credit reports from all 3 credit bureaus.

Track your Results

AOB Academy will automatically retrieve and update your credit reports and scores from your linked credit monitoring account every month to track the results of your disputes and credit repair progress.

Resources

Educational videos and articles provide expert advice and instructions on how to improve, build and maintain great credit. Letter templates and guides are available for all your credit related needs.

Authorizations

Upon linking your credit reports to your AOB Academy account, you authorize AOB Academy to store your credit report and score info as well as your credit monitoring account credentials and to access your credit monitoring account for the purpose of retrieving and updating your credit reports and scores.

AOB Academy Fees

AOB Academy’s website and credit repair software platform is free. The only costs associated with the AOB Academy platform are the membership fees charged by our credit monitoring partners which you can link to your AOB Academy account to automatically connect your 3 Bureau Credit Reports and Scores. The credit monitoring membership plan that is available to link to AOB Academy is $39.95. To avoid being charged any future membership fees you can login to your linked credit monitoring account and cancel your subscription online at any time.

Duration

Once you create a AOB Academy account you can login to your account by accessing this website at anytime. You can use the account with all of its features for as long as you would like to whether you choose to use it for creating and tracking dispute letters, for the resources section or just to monitor your credit across all 3 bureaus.

AOB Academy LLC Contact Information

400 Chesterfield Ctr Suite 400, St. Louis , MO 63017

Phone: (866) 230-6870

Email: support@aobacademy.com

You may cancel this contract without penalty or obligation at any time. See the attached notice of cancellation form for an explanation of this right.

While AOB Academy is free software, users have the option to link an active credit monitoring subscription service through a third-party provider. To cancel your credit monitoring subscription, contact them directly using the information and instructions they provided when you enrolled. Submitting a notice of cancellation to AOB Academy does not automatically cancel any subscription you have with a third-party credit monitoring service that you may have linked to AOB Academy. Please contact your credit monitoring service provider separately and close your account according to their cancellation guidelines.

Notice of Cancellation Form:

You may cancel this contract without penalty or obligation at any time.

To cancel this contract with AOB Academy, call (866) 230-6870 during business hours Monday - Friday 9am - 6pm PST or email support@aobacademy.com

You can also mail or deliver a signed, dated copy of this cancellation notice, or any other written notice to AOB Academy LLC at 400 Chesterfield Ctr Suite 400, St. Louis , MO 63017:

I hereby cancel this transaction,

[date]

[purchaser's signature].