Legal Disclosures & Federal Compliance
Last Updated: February 23, 2026 • Effective for all services provided by RJ Business Solutions
Important Notice: RJ Business Solutions is a credit repair organization as defined under the Credit Repair Organizations Act (15 U.S.C. § 1679 et seq.). We are not a law firm, we are not attorneys, and we do not provide legal advice. The information on this page is provided for transparency and compliance purposes only.
CROA Credit Repair Organizations Act (15 U.S.C. § 1679)
RJ Business Solutions operates in full compliance with the Credit Repair Organizations Act, enacted September 30, 1996 (Pub. L. 104-208). CROA provides important protections for consumers who use credit repair services.
✅ Required CROA Consumer Disclosure Statement
Pursuant to 15 U.S.C. § 1679c, the following disclosure is provided to all consumers before any contract or agreement is executed:
"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"
CROA Compliance Practices
- No Advance Fees (15 U.S.C. § 1679b(b)): We do not charge or receive payment for credit repair services until such services have been fully performed. The $99 audit fee covers a completed forensic audit product delivered to you — it is not an advance fee for future dispute work.
- Written Contracts (15 U.S.C. § 1679d): All services require a signed, written contract that details the services to be performed, total costs, payment terms, estimated timelines, and your cancellation rights.
- 3-Business-Day Cancellation Right (15 U.S.C. § 1679e): You may cancel your contract for any reason within 3 business days of signing, without penalty or obligation. A Notice of Cancellation form is provided with every contract.
- No Misleading Claims (15 U.S.C. § 1679b(a)): We do not guarantee specific credit score increases or claim we can remove accurate, current, and verifiable information from your credit report.
- Disclosure Before Contract (15 U.S.C. § 1679c): The Consumer Credit File Rights statement above is provided to every consumer before any contract is executed, as a separate document.
- Consumer Waivers Void (15 U.S.C. § 1679f): Any waiver of your rights under CROA is void and unenforceable.
FCRA Fair Credit Reporting Act (15 U.S.C. § 1681)
All dispute activities performed by RJ Business Solutions are conducted in accordance with the Fair Credit Reporting Act. We invoke specific FCRA provisions on your behalf to challenge inaccurate, incomplete, unverifiable, or obsolete information on your credit reports.
Your Rights Under the FCRA
- Right to Dispute (Section 611, 15 U.S.C. § 1681i): You have the right to dispute any information in your credit file that you believe is inaccurate or incomplete. Credit reporting agencies (CRAs) must investigate within 30 days (extendable to 45 days if you provide additional information).
- Duty to Correct (Section 623, 15 U.S.C. § 1681s-2): Furnishers of information (creditors, lenders, collection agencies) must investigate disputes forwarded by CRAs and correct or delete inaccurate information.
- Permissible Purpose (Section 604, 15 U.S.C. § 1681b): Your credit report may only be accessed by parties with a legally permissible purpose, such as credit applications, insurance underwriting, or employment screening (with your consent).
- Obsolescence Protections (Section 605, 15 U.S.C. § 1681c): Most negative information must be removed after 7 years. Bankruptcy filings under Chapter 7 may be reported for 10 years; Chapter 13 for 7 years.
- Free Annual Reports (Section 612, 15 U.S.C. § 1681j): You are entitled to one free credit report per year from each of the three major bureaus (TransUnion, Equifax, Experian) via AnnualCreditReport.com.
- Right to Sue (Section 616-617, 15 U.S.C. § 1681n-o): You may sue CRAs or furnishers for willful or negligent noncompliance with the FCRA.
- Fraud Alerts & Credit Freezes (Section 605A-B): You have the right to place fraud alerts or security freezes on your credit file at no cost.
How We Use the FCRA: Our disputes cite specific FCRA sections (primarily 611, 623, and 605) when challenging information with the credit bureaus. We do not file frivolous disputes or misrepresent information on your behalf. Every dispute is substantive, statute-specific, and tracked through the full 30-day investigation window.
FDCPA Fair Debt Collection Practices Act (15 U.S.C. § 1692)
While RJ Business Solutions is not a debt collector, we educate our clients on their rights under the Fair Debt Collection Practices Act and may reference FDCPA violations when challenging collection accounts on your credit report.
Your Rights Under the FDCPA
- Debt Validation (Section 809, 15 U.S.C. § 1692g): Within 5 days of initial contact, a debt collector must provide you with written notice of the amount of debt, name of the creditor, and your right to dispute the debt within 30 days.
- Cease Communication (Section 805(c), 15 U.S.C. § 1692c(c)): You may demand in writing that a debt collector stop contacting you.
- Prohibited Practices (Section 806-808): Debt collectors cannot harass, threaten, or use abusive language; cannot call before 8am or after 9pm; cannot make false or misleading representations; cannot use unfair collection practices.
- Third-Party Disclosure (Section 805(b)): Debt collectors cannot discuss your debt with third parties (with limited exceptions for your attorney, spouse, or parents if you are a minor).
- Right to Sue (Section 813, 15 U.S.C. § 1692k): You may sue a debt collector for FDCPA violations and recover actual damages, statutory damages up to $1,000 per case, and attorney's fees.
How We Use the FDCPA: When a collection account on your credit report is found to be unverifiable or improperly reported, we may reference FDCPA § 1692g debt validation requirements in our dispute strategy. If a collector has failed to validate a debt, reporting it to a CRA may violate both the FDCPA and the FCRA.
TSR FTC Telemarketing Sales Rule (16 C.F.R. Part 310)
The Telemarketing Sales Rule (TSR), enforced by the Federal Trade Commission, imposes specific requirements on credit repair services marketed via telemarketing.
Our TSR Compliance
- Advance Fee Ban (16 C.F.R. § 310.4(a)(2)): We do not charge fees for credit repair services until the promised service has been fully performed and the results have been documented. This applies to all services, whether marketed by telephone, internet, or other means.
- No Misrepresentations (16 C.F.R. § 310.3(a)): We do not make false or misleading claims about the nature, results, or efficacy of our credit repair services during telemarketing or in any marketing materials.
- Required Disclosures (16 C.F.R. § 310.4(d)): Before a customer pays, we disclose the total cost of services, any material restrictions or conditions, and our refund or cancellation policy.
- Recordkeeping (16 C.F.R. § 310.5): We maintain records of all telemarketing transactions, advertising, and customer communications for a minimum of 24 months (extended to 5 years under the 2024 TSR amendments).
TSR Advance Fee Ban Clarification: Under both CROA and the TSR, it is illegal to charge advance fees for credit repair services. Our $99 forensic audit fee is payment for a completed, delivered product (your forensic audit report and personalized roadmap), not an advance fee for future dispute work. Monthly service fees are billed only after verifiable results have been achieved in that billing period.
FTC Federal Trade Commission Act (15 U.S.C. § 41 et seq.)
Section 5 of the FTC Act prohibits unfair or deceptive acts or practices in or affecting commerce. Under 15 U.S.C. § 1679h, violations of CROA are treated as violations of the FTC Act.
Our FTC Act Compliance
- No Deceptive Practices: All marketing materials, website content, and client communications are truthful, non-misleading, and substantiated.
- No Unfair Practices: We do not impose unreasonable terms, hidden fees, or conditions that cause substantial consumer injury.
- Substantiation: All claims about our services, success rates, or potential outcomes are based on documented evidence and presented with appropriate qualifications.
- Clear Disclosures: Material terms, costs, and conditions are disclosed clearly and conspicuously before a consumer makes a purchasing decision.
CFPB Consumer Financial Protection Bureau
The Consumer Financial Protection Bureau (CFPB) shares enforcement authority with the FTC over credit repair organizations. RJ Business Solutions adheres to all CFPB guidance and regulatory standards applicable to credit repair services.
CFPB Regulatory Compliance
- Regulation V (12 C.F.R. Part 1022): Implements the FCRA. We ensure all disputes are filed in accordance with Regulation V procedures.
- Regulation F (12 C.F.R. Part 1006): Implements the FDCPA. We educate clients on their rights and reference Regulation F when challenging improperly reported collection accounts.
- Supervision Authority: We acknowledge the CFPB's supervisory and enforcement authority over credit repair organizations and maintain our practices in accordance with CFPB guidance.
- Consumer Complaint Process: If you are dissatisfied with our services, you have the right to file a complaint with the CFPB at consumerfinance.gov/complaint.
STATE State Law Compliance
In addition to federal law, credit repair organizations may be subject to state-specific regulations. RJ Business Solutions complies with all applicable state laws, including but not limited to:
- New Mexico: As our principal place of business is in Tijeras, New Mexico, we comply with all New Mexico consumer protection statutes, including the Unfair Practices Act (NMSA 57-12-1 et seq.).
- State Bonding/Registration: Where required by state law, we maintain appropriate bonds and registrations.
- State Cancellation Rights: Some states provide cancellation rights that exceed the federal 3-business-day period. Where applicable, the longer cancellation period applies.
- State-Specific Disclosures: Additional disclosures required by your state of residence will be provided as part of your service contract.
DISCLAIMER Results & Earnings Disclaimer
No Guarantee of Results: Credit repair results vary based on individual circumstances. RJ Business Solutions does not guarantee any specific credit score increase, removal of any specific item, or any particular outcome. Past results achieved for other clients do not guarantee or predict future results for you.
Factors Affecting Results: The outcome of credit repair depends on many factors including but not limited to: the accuracy and completeness of information currently reported, the willingness of furnishers to investigate and correct errors, the specific items on your credit report, your payment history during the repair process, and changes in credit reporting regulations.
Not a Guarantee: Any examples of results, testimonials, or case studies shared on this website or in our marketing materials are for illustrative purposes only and should not be construed as a guarantee of similar results. Individual results may be better or worse than those described.
Regulatory Contacts
If you believe your consumer rights have been violated, you may contact the following regulatory agencies:
RJ Business Solutions
1342 NM 333, Tijeras, New Mexico 87059
Email: rickjefferson@rickjeffersonsolutions.com
Website: rickjeffersonsolutions.com