Welcome to the CREDITedit website! As a visitor to this site, please read this visitor disclaimer and agreement. By using this site you are agreeing to accept all the terms included. The terms of the agreement may change and you agree to the terms of the agreement in effect at this time. The intention of this website is to provide general information only. Every effort has been made to provide useful and accurate information, but you should NOT rely on any information in this website as it pertains to your specific matter. Before you act on information you find on this site, you should confirm any facts that are important to your decision. This information should be used only as a guideline.
Any legal content contained on this website is not intended to and does NOT constitute legal advice. By reading, purchasing any informational materials, posting facts, and/or sending e-mail to or received from this site or office address, does not constitute a consultant-client relationship. Any correspondence from this website does NOT constitution any legal representation by anyone from this site or CREDITedit. The information provided is a summary of the applicable laws. The views expressed here are CREDITedit's opinions unless specifically quoted otherwise and does not represent legal advice about how your case fits in any legal action. If you want a consultation go to Contact Us, to make arrangements. After the consultation, if you want CREDITedit to represent you in a credit report matter, there must be a signed Contract between CREDITedit and you.
This office will not represent clients generated by this website when any such representation does not comply with local or state ethics rules. Where the state requires a principal office, this website designates the office of CREDITedit, located in Cumberland County, Vineland, NJ, as such an office.
There is no substitute for having an experienced attorney to represent a client since each case is unique in facts and circumstances. An attorney can determine how the specific laws may affect your interests. How a judge interprets a law can be just as important as the law itself. These laws (codes) continue to change and new cases in many instances will bring a new meaning to such laws. It is the intention of this website to bring you the most "up-to-date" information available; however, information contained here may no longer be accurate or current. Thus, responsibility for what is posted here is up to each user.
Disclaimer of Warranties and Liability
You agree that your use of this website is at your sole risk.
Because of the number of possible sources of information available through this website, and the inherent hazards and uncertainties of electronic distribution, there may be delays, omissions, inaccuracies or other problems with such information. If you rely solely on this service or any material obtained from this site, you do so at your own risk. You understand that you are solely responsible for any damage to your computer system or loss of data that results from any material and or data downloaded from or otherwise provided through CREDITedit's website.
This information is provided for you "as is", "with all faults", and "as available". CREDITedit, its website, its affiliates, agents, and licensors cannot and do not warrant the accuracy, completeness, currency, merchantability for a particular purpose of the information available through this website. Nor do they guarantee that the service will be error free or continuously available or that the service/information will be free of viruses or other harmful components.
Under NO circumstances shall CREDITedit, affiliates, agents or representations herein be liable to you or anyone else for any damages arising out of use of any information obtained in this website including, without limitation, liability for consequential, special, incidental, indirect, or similar damages.
COPYRIGHTS AND TRADEMARKS
Although this site is freely accessible for basic information, we do not intend to give up our rights or anyone else’s rights to the materials on this website. Any materials or information made available through this website may be protected by copyright, trademark and other intellectual property laws. You may display and print for your PERSONAL, non-commercial use, information you receive through this website. But you may NOT otherwise reproduce or distribute (including by email or other electronic means), any of the materials copyrighted, trademarked, etc., without prior written approval from the owner. You may encourage others to access the information. You may not incorporate any of the information, materials, or website applications into any other website or service without the prior written approval of CREDITedit. By submitting any material to this site you are representing that you are the owner of the material or have the express consent of the owner of the material. Submitting such material is a violation of this agreement and may also subject you to legal liability to the owner of such material.
POSTINGS, MESSAGES, EMAILS
By using this website you agree NOT to post or transmit any defamatory, abusive, obscene, threatening or illegal material or any other information that infringes on the ability of others to enjoy this site or that infringes on the rights of others. We retain the right to deny access to anyone whom we believe has violated these terms or any other term of this agreement. If applicable, CREDITedit cannot monitor ALL postings on any message board. We do not endorse or guarantee the accuracy of any posting, regardless of where the posting comes from. We do reserve the right but assume no obligation to, delete, move, or edit any postings that come to our attention that we consider unacceptable or inappropriate, whether for private, legal, or other reasons. We will comply with the law regarding disclosure to others such as law enforcement agencies.
You agree not to use this site to advertise or to solicit anyone to buy or sell your services or products or to make donations of any kind without express written authorization from CREDITedit. A link to another website does not constitute an endorsement of that site or for any information, product or service offered by that site. Other users may post email addresses in this site, however, you agree NOT to gather these addresses fro the purpose of spamming. Any material you submit to this site, unless otherwise noted as copyrighted, becomes the property of CREDITedit and may be reproduced, modified, and distributed as we deem fit for use in any medium, for any purpose.
Any email sent to this website or linked to this site, is not secure. There is no promise of privacy for any such information sent via this medium. Care is recommended when considering sending information or materials that are sensitive or confidential in nature. If in doubt, a phone consultation is recommended on how to proceed. We respect your privacy, and we will not sell or give out any of your information without your written permission. Your email will never be sold or shared with anyone.
Effective Date: January 1, 2009.
Privacy Policy
Our Privacy Policy is designed to assist you - businesses, consumers and the general public - in understanding how we collect and use the personal information you provide to us, and to help you make informed decisions when using our web site and all of our related services therein.
Contact Information
To request a correction or deletion of your private information, or if you have any questions and general comments about this privacy policy, please contact us: e-mail: email@mycreditedit.com
Surface mailing & email addresses:
CREDITedit, LLC, 237 S. DELSEA DRIVE, SUITE 324, VINELAND, NJ 08360, email@mycreditedit.com
What Information Do We Collect?
When visiting our web site, you may provide us with two types of information: personal information you voluntarily choose to disclose that is collected on an individual basis, and Web site use information gathered on a collective basis as you and others browse our Web site.
Personal Information You Choose to Provide
Registration Information
You will provide us information about yourself, your firm or company, and your practices when you register to be a user of our services, register for certain services, or register for email newsletters and alerts.
Email Information
If you choose to correspond with us through email, we may retain the content of your email messages together with your email address and our responses. If you use our "Email this page" feature to send a copy of that page to someone else, your email address will appear as the sender of the email. Both your email address and the recipient's email address will not be used for any other purpose.
How Do We Use the Information That You Provide to Us?
Generally, we use personal information for purposes of managing and expanding our business activities, and providing customer service. WE DO NOT SELL OR PROVIDE YOUR INFORMATION TO ANYONE WITHOUT YOUR CONSENT. Your information is kept in strict confidence.
We collect personal information to enroll you in our service. The information we require is the absolute minimum necessary. CREDITedit, LLC uses your personal information to provide you with superior client services, and to communicate with you regarding your case. In addition, we use your personal information to keep you up to date on the latest service announcements, feature updates, special offers, and other information we think you would like to hear about. From time to time, we may also use your personal information in order to contact you regarding participation in a market research survey, so that we can gauge client satisfaction and improve our services further. Should you begin, but not complete, the sign up process, CREDITedit, LLC may use your personal information to contact you regarding your experience at the web site, and may talk to you about enrolling in our service.
Choice/Opt-out
We allow you the choice to opt-out of having your information used for purposes not directly related to our site, when we ask for the information.
Until you explicitly opt-in for the first time we consider you in the opt-out category. We always notify our customers when their information is being collected by any outside parties. We do this so our users can make an informed choice as to whether or not they should proceed with services that require an outside party.
If you do not wish to receive any promotional or marketing e-mails and/or surface mail marketing letters, you may opt-out of receiving those communications by using the opt-out mechanism on the User Account Settings Web page, or by sending an e-mail with the subject line "Unsubscribe" to or e-mail address - see above.
What Are Cookies?
A cookie is a very small text document, which often includes an anonymous unique identifier. When you visit a Web site, that site's computer asks your computer for permission to store this file in a part of your hard drive specifically designated for cookies. Each Web site can send its own cookie to your browser if your browser's preferences allow it, but (to protect your privacy) your browser only permits a Web site to access the cookies it has already sent to you, not the cookies sent to you by other sites.
How Do We Use Information We Collect from Cookies?
As you visit our Web site, the site uses its cookies to differentiate you from other customers. In some cases, we also use cookies to prevent you from seeing unnecessary advertisements or requiring you to log in more than is necessary for security.
Cookies, in conjunction with our Web server's log files, allow us to calculate the aggregate number of people visiting our Web site and which parts of the site are most popular. This helps us gather feedback in order to constantly improve our Web site and better serve our customers. Cookies do not allow us to gather any personal information about you and we do not generally store any personal information that you provided to us in your cookies.
Sharing Information with Third Parties
We may enter into alliances, partnerships or other business arrangements with third parties who may be given access to personal information including your name, address, telephone number and email for the purpose of providing you information regarding products and services that you have expressed will be of interest to you.
In connection with alliances, partnerships or arrangements, we may also provide certain information to third parties if we have determined that the information will be used in a responsible manner by a responsible third party.
We also use third parties to facilitate our business, including, but not limited to, sending email and processing credit card payments. In connection with these offerings and business operations, our partners and other third parties may have access to your personal information for use in connection with business activities.
As we develop our business, we may buy or sell assets or business offerings. Customer, email, and visitor information is generally one of the transferred business assets in these types of transactions. We may also transfer such information in the course of corporate divestitures, mergers, or any dissolution.
How Do We Protect Your Information?
Secure Information Transmissions
Email is not recognized as a secure medium of communication. For this reason, we request that you do not send private information to us by email. Some of the information you may enter on our Web site may be transmitted securely via Secure Sockets Layer SSL, 128 bit encryption services. Pages utilizing this technology will have URLs that start with HTTPS instead of HTTP. Please contact if you have any questions or concerns.
How Can You Access and Correct Your Information?
You may request access to all your personally identifiable information that we collect online and maintain in our database by contact us, see the above contact information.
What About Other Web Sites Linked to Our Web Site?
We are not responsible for the practices employed by Web sites linked to or from our Web site nor the information or content contained therein. Often links to other Web sites are provided solely as pointers to information on topics that may be useful to the users of our Web site. Please remember that when you use a link to go from our Web site to another Web site, our Privacy Policy is no longer in effect. Your browsing and interaction on any other Web site, including Web sites which have a link on our Web site, is subject to that Web site's own rules and policies. Please read over those rules and policies before proceeding.
Your Consent
By using our Web site you consent to our collection and use of your personal information as described in this Privacy Policy. If we change our privacy policies and procedures, we will post those changes on our Web site to keep you aware of what information we collect, how we use it and under what circumstances we may disclose it. At any time you may request to view any and all changes and updates, via surface mail.
Notification of Changes
The Privacy Policy is subject to periodic review and change. In order to view the current Privacy Policy, simply check this section of the website.
If we materially change our privacy policy, we will post those changes to this privacy statement and other places we deem appropriate so users are aware of what information we collect, how it is used, and under what circumstances, if any, we disclose it. In some cases where we post a notice, we may also email user who have opted to receive communications from us, notifying them of the changes in our privacy practices.
Important: The articles, illustrations, testimonials, and/or examples given in this website are in no way indicative of the actual changes you may experience by using CREDITedit, LLC. In keeping with the Fair Credit Reporting Act, CREDITedit will only prepare the dispute/challenge letters to contest certain incomplete, inaccurate, unverifiable, outdated, and/or erroneous items in your credit profile. No specific outcome is expressed, implied or promised, and your actual results may vary. Factors contributing to these variations can include new inquiries, opening new tradelines, the addition of new derogatory accounts, and fluctuating balances on existing revolving accounts. CREDITedit, LLC, as an affiliate, may receive a small commission on products/services it markets, and makes no guarantees/warranties regarding those products/services.
We take your privacy seriously. We do not spam nor will we sell, rent, or distribute your information to any third party unless you explicitly request us to do so. We do not encourage you to dispute known accurate credit items or engage in unethical behavior. The client experiences and information that may appear on this website are not intended to be legal advice; and past performance does not guarantee future results. Every person's case is unique, and individual results will vary; and CREDITedit, LLC does not guarantee any particular results within any given period of time. The services of CREDITedit, LLC and/or its affiliates may not be available in all states. CREDITedit, LLC is not a "debt adjuster", "debt consolidation service" and not a "non-profit consumer credit counseling agency".
CREDITedit, LLC VOLUNTARILY PROVIDES YOU WITH THIS DISCLOSURE
IT IS OUR INTENT TO PROVIDE CONSUMERS WITH THE RESOURCES IN ORDER TO HAVE THE CONSUMER REPORTING AGENCIES REPORT THE MOST FAIR, COMPLETE, ACCURATE AND VERIFIABLE CREDIT PROFILE OF A CONSUMER; THEREFORE, CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT BY PERMANENTLY REMOVING NEGATIVE INFORMATION, EVEN WHEN IT'S ACCURATE, CURRENT AND VERIFIABLE; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, SUGGEST THAT YOU APPLY FOR AN EMPLOYER IDENTIFICATION NUMBER TO USE INSTEAD OF YOUR SOCIAL SECURITY NUMBER SO YOU CAN INVENT A "NEW" CREDIT IDENTITY -- AND THEN, A NEW CREDIT REPORT; THE BENEFITS OF USING CREDITedit, LLC SERVICES ARE AS FOLLOWS: DISCUSS HOW TO UTILIZE CERTAIN CONSUMER PROTECTION LAWS REGARDING YOUR CREDIT PROFILE, REDUCE JUNK MAIL VIA "OPT-OUT", "DO NOT CALL" REGISTRY, DOCUMENT PREPARATION IN ORDER TO DISPUTE/CHALLENGE CERTAIN CREDIT REPORT INFORMATION, AND/OR TO VERIFY OR VALIDATE ACCOUNTS WITH CREDITORS OR COLLECTION AGENCIES; CREDITedit, LLC DOES NOT, NOR SHOULD ANYONE, CLAIM OR GUARANTEE TO IMPROVE ANY CREDIT REPORT OR CREDIT SCORE, OR ANY ABILITY TO OBTAIN CREDIT; THE TOTAL COST OF CREDITedit, LLC SERVICES WILL BE $199 FOR AN INDIVIDUAL OR $299 FOR INDIVIDUAL WITH SPOUSE; YOU, THE CONSUMER, MAY CANCEL ANY AGREEMENT WITH CREDITedit, LLC AT ANY TIME PRIOR TO TWELVE (12) MIDNIGHT ON THE THIRD (3RD) DAY AFTER THE DATE OF THE TRANSACTION. DURING THIS 3-DAY "COOLING OFF" PERIOD, ANY MONEY YOU MAY HAVE PAID CREDITedit, LLC WILL BE RETURNED TO YOU. AFTER THIS NOTICE OF CANCELLATION PERIOD HAS LAPSED, ALL SALES ARE FINAL AND CREDITedit, LLC OFFERS NO REFUNDS.
THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV.
You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law.
CREDITedit, LLC is a rapid credit bureau report dispute letter preparation and consulting company for faster, immediate, emergency credit score repair service that may help to fix, repair, restore, delete or remove bad, negative, poor credit. With a good, higher, boosted or increased FICO credit score rating, you may qualify to buy a house, car or get a job.
Privacy
