Credit Hoot

Information Statement


Pursuant to Section 59.1-335.6 of the CSBA, Credit Hoot (the “Provider”) provides the Consumer with an information statement, containing all of the information required under Section 59.1-335.7.

CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

You have the right to obtain a free copy of your credit report from a credit reporting agency. You may obtain this free copy of your credit report one time per year by visiting www.AnnualCreditReport.com. You will be able to view your credit report, dispute alleged inaccuracies, and obtain additional information at no fee. If requested, the consumer credit reporting agency must provide someone to help you interpret the information in your credit file.

You have the right to receive a free copy of your credit report every 12 months from each of the three nationwide consumer reporting agencies, including TransUnion: 1-888-909-8872 (TransUnion.com), Experian: 1-888-397-3742 (Experian.com) and Equifax: 1-800-685-1111 (Equifax.com), as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681j).

You have the right to review any file maintained by any consumer reporting agency, and the right to receive a copy of a consumer report containing all information in that file as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681g).

A copy of the consumer report containing all information in the consumer’s file will be furnished free of charge by the consumer reporting agency if requested by the consumer within 60 days of receiving a notice of a denial of credit as provided under the Federal Fair Credit Reporting Act (15 USC Section 1681j).

A nominal charge may be imposed on the customer by the consumer reporting agency (CRA) for a copy of the consumer report containing all information in the customer’s file, if the customer has not been denied credit within 60 days from receipt of the customer’s request.

A nominal charge may be imposed on the consumer by the consumer reporting agency for a copy of the consumer report containing all information in the consumer's file, if the consumer has already obtained the free credit report to which the consumer is entitled on an annual basis and the consumer has not been denied credit within 60 days from receipt of the consumer's request.

Credit Hoot (hereinafter, collectively referred to as "Provider", “We”, “Us”, “Our”) requires all Clients (hereinafter referred to as "client", "clients", "customer”, "customers", "you" or "your", "his" or "hers") to sign the "Description of Service" that states a complete and detailed description of the services that we will perform for you and the total cost of the services. By signing this form, you are agreeing to the terms and conditions of service set forth in this Agreement and to the terms and conditions of payment. It is Provider’s intention to service you for the entire term of this Agreement. However, should you cease payment under the terms of this Agreement, we will cease service immediately until payment can be rendered. Provider also reserves the right to collect any monies not yet paid under the terms of this Agreement that it may be entitled to, which might include (but is not limited to) rendering the service of a third-party collection agency and/or attorney. You agree that any remaining payments that Provider may be entitled to, including any late fees, collection fees, and/or additional administrative fees, as permitted by law, will be applied in accordance with this Agreement regardless of your default. Description of Services are as followed:

  1. If Customer is assigned the New Beginnings Trial Service Plan, there is a total payment of $250 to Provider and a total of $60 to credit monitoring company, My Free Score Now, over the course of 60 days for a total of $310 .
  2. If Customer is assigned the New Beginnings Month-To-Month Service Plan, there is a total payment of $600 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $780 .
  3. If Customer is assigned the Accelerated Trial Service Plan, there is a total of $60 to credit monitoring company, My Free Score Now, over the course of 60 days for a total of $410 .
  4. If Customer is assigned the Accelerated Month-To-Month Service Plan, there is a total payment of $900 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $1,080 .
  5. If Customer is assigned the Hard Inquiry Month-To-Month Service Plan, there is a total payment of $480 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $660 .
  6. If Customer is assigned the Bankruptcy Month-To-Month Service Plan, there is a total payment of $480 to Provider and a total of $180 to credit monitoring company, My Free Score Now, over the course of 180 days for a total of $660 .
  7. Provider strictly adheres to a zero-advanced pay policy where no payment is accepted until promised monthly work described in Section 4, Monthly Service Deliverables, is completed and/or cancellation has been made after the cancellation grace period has passed. Customer understands and promises to pay to Provider the total amount indicated for each service plan described in Section 4 or for services completed before a Notice of Cancellation was submitted by either party as described in Section 3. No refund is available for payments completed for work performed. Provider will begin the performance of the services described in Section 4 within 7 business days from when Agreement is signed by Customer.

Each of the said services listed above, whether collectively OR individually, shall comprise of and define the term "Services Rendered" and thus, all service fees shall be deemed due and fully collectible and will be billed/charged accordingly, AFTER such service(s) have been rendered. It is agreed that this Description of Service has been fully read, acknowledged, and understood prior to the execution of any Contractual Agreement or Duties between the parties hereto.

Credit Hoot makes no other warranties aside from the warranties expressly written within this Statement. No oral agreement or other agreement shall override this Agreement unless received in writing from an authorized representative of Provider.

You have a right to cancel the contract with the credit services organization for any reason before midnight on the 3RD working day after you signed it. If for any reason you cancel the contract during this time, you do not owe any money. You have a right to sue a credit services organization if it misleads you.

IMPORTANT NOTICE: YOU HAVE NO OBLIGATION TO PAY ANY FEES OR CHARGES UNTIL ALL SERVICES HAVE BEEN PERFORMED COMPLETELY FOR YOU, UNLESS YOU ENTER INTO A SUBSCRIPTION AGREEMENT REQUIRING PERIODIC PAYMENTS IN CONSIDERATION FOR ONGOING SERVICES.

I, the CLIENT, fully understand my responsibility to this program and agree to the above terms, as well as acknowledging that all of my questions have been answered. I further acknowledge and agree to the total costs of these services and am aware that nonprofit budget and debt counseling services exist.

Acknowledgement receipt of this statement,

The FTC and State Laws require the Provider to keep this document with your file for a minimum of two (2) years after the Agreement is executed. The FTC regulates credit bureaus and credit repair organizations.


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Document name: Information Statement
lock iconUnique Document ID: d8796570d0a6010667c6eec6420c018bc88fdf82
Timestamp Audit
July 5, 2023 11:06 am ESTInformation Statement Uploaded by Be Huynh - info@credithoot.com IP 119.94.164.18
July 5, 2023 11:11 am ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.165.179
July 5, 2023 11:11 am ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.165.179
July 6, 2023 12:24 pm ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 6, 2023 12:24 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 6, 2023 12:41 pm ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 6, 2023 12:41 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 6, 2023 4:40 pm ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 6, 2023 4:40 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.75
July 10, 2023 3:57 pm ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 222.127.63.75
July 10, 2023 3:57 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 222.127.63.75
July 13, 2023 10:44 am ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 58.69.114.16
July 13, 2023 10:44 am ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 58.69.114.16
July 13, 2023 10:51 am ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 58.69.114.16
July 13, 2023 10:51 am ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 58.69.114.16
July 24, 2023 2:13 pm ESTSales Team - sales.team@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 136.158.61.41
July 24, 2023 2:13 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 136.158.61.41
October 6, 2023 12:25 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.169.90
October 6, 2023 12:25 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.169.90
November 1, 2023 1:30 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 136.158.61.138
November 1, 2023 1:30 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 136.158.61.138
February 14, 2024 2:12 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.163.195
February 14, 2024 2:12 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.163.195
April 3, 2024 1:23 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.254
April 3, 2024 1:23 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.160.254
August 14, 2024 12:58 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.164.18
August 14, 2024 12:58 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.164.18
August 15, 2024 4:58 pm ESTCM Team Consultants - cmteamconsultants@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.164.18
August 15, 2024 4:58 pm ESTDisclosure Notification - disclosure@creditmanager.io added by Be Huynh - info@credithoot.com as a CC'd Recipient Ip: 119.94.164.18
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