Legal Disclosures
MM2 Consulting, LLC
Legal Disclaimer: MM2 Consulting, LLC is a consulting firm and is not a law firm, attorney, or credit bureau. We do not provide legal advice or legal counsel.
This credit repair company operates in strict compliance with the Federal Credit Repair Organizations Act (CROA) and the Fair Credit Reporting Act (FCRA). We prohibit advanced fees before services are rendered, provide mandatory consumer disclosures, and ensure all disputes are based on accuracy. We uphold Wyoming, U.S., regulations regarding honest representation, data privacy, and prompt client communication.Compliance Statement & Policy1. CROA Compliance (Credit Repair Organizations Act)
- No Advance Fees: We do not charge or receive any money or valuable consideration before the completion of all contracted credit services.
- Written Contracts: All clients receive a written, dated, and signed contract outlining services, timelines, and costs.
- Right to Cancel: Clients have the right to cancel their contract within three (3) business days of signing, with no penalty.
- Truthful Representation: We do not make false promises, guarantees of specific results, or instruct consumers to alter their identity to conceal credit history.
2. FCRA Compliance (Fair Credit Reporting Act)
- Accuracy & Disputes: We assist in identifying and disputing inaccurate, incomplete, or unverifiable information with credit bureaus and furnishers, per FCRA Section 623.
- Data Privacy: All consumer credit information is handled with strict confidentiality, ensuring security.
- Reporting Timeframes: We respect FCRA guidelines regarding the reporting of negative items (typically 7 years for negative, 10 years for bankruptcy).
3. Wyoming State Regulations
- Honest Representations: In accordance with Wyoming law, this company avoids unfair, deceptive, or misleading acts in the sale of credit services.
- Licensing & Bonding: We maintain all necessary, valid, and current bonds/licenses required to operate as a credit services organization in Wyoming.
- Fair Collection Practices: We comply with applicable state consumer protection laws prohibiting harassing or deceptive practices.
4. Company Guarantee
We are committed to helping consumers understand their rights. We do not engage in "file segregation" (creating a new identity to hide bad credit), which is illegal. All disputes are formulated based on the specific, verified, and inaccurate information present in the consumer's credit file.