Life 2gether

FCRA Compliance & Consumer Rights

 

Our Commitment to Fair Credit Reporting

 

At Life 2gether, we are committed to ensuring that all consumer credit information reported to credit bureaus is accurate, fair, and compliant with the Fair Credit Reporting Act (FCRA).

As a data furnisher, we understand the responsibility of reporting consumer payment information accurately and securely. Our goal is to help you build credit responsibly while safeguarding your rights as a consumer.

Your Rights Under the Fair Credit Reporting Act (FCRA)

The FCRA is a federal law designed to promote the accuracy, fairness, and privacy of consumer information reported to credit bureaus. As a consumer, you have important rights, including:

• The right to know what’s in your credit file.

• The right to dispute inaccurate, incomplete, or outdated information.

• The right to have verified errors corrected within 30 days.

• The right to request a free credit report from each major credit bureau once every 12 months.

• The right to limit access to your credit file through security freezes or fraud alerts.

 

For more details about your FCRA rights, visit the Federal Trade Commission (FTC) or the Consumer Financial Protection Bureau (CFPB).

 

 

 

Our Responsibilities as a Data Furnisher

 

As a data furnisher, we are responsible for:

 

• Reporting accurate and complete information about your account, including payment history and account status.

• Correcting or deleting any information that we determine to be inaccurate.

• Investigating disputes promptly and responding to consumer inquiries within 30 days as required by the FCRA.

• Providing a secure and transparent process for submitting disputes or inquiries.

• Safeguarding your personal information using secure encryption, firewalls, and restricted access controls.

 

 

 

How We Report Your Credit-Builder Savings Plan

 

Your Credit-Builder Savings Plan is reported as follows:

 

• Your account will be reported to participating credit bureaus as an installment account with a defined term.

• Monthly payments will be reported as on-time payments, helping to build positive credit history.

• No interest is charged on your account; however, a flat $100 monthly administrative fee applies to each account.

• Consistent on-time payments will contribute positively to your credit profile, while late payments will result in cancellation of your plan.

 

 

 

How to Dispute Inaccurate Information

 

If you believe we have reported inaccurate or incomplete information about your account, you have the right to file a dispute.

 

To Submit a Dispute:

Please include the following information in your request:

 

• Your full legal name

• Your account number

• A detailed explanation of the information you believe is inaccurate

• Copies of any supporting documentation (e.g., credit report excerpts, billing statements)

 

Dispute Submission Contact Information:

📧 Email: getlife2gether@gmail.com

 

Upon receiving your dispute, we will:

1️⃣ Acknowledge your request within 5 business days.

2️⃣ Conduct a thorough investigation within 30 days (45 days if additional information is provided).

3️⃣ Update or correct the information as necessary and notify you of the outcome.

 

 

 

Security & Data Protection

 

We take your data security seriously. To protect your information, we implement:

 

✅ SSL encryption to secure all online transactions.

✅ Strict access controls to ensure only authorized personnel can view sensitive data.

✅ Routine audits to maintain Metro 2® compliance and ensure reporting accuracy.

 

 

 

 

We are committed to helping you achieve your financial goals while ensuring your information is reported accurately and fairly.

 

 

 

Disclaimer:

 

B.A.S.T. INDUSTRIES LLC is not a credit repair organization and does not provide credit repair services. Our services are designed to report accurate credit information and promote responsible credit-building habits in accordance with FCRA regulations.