Compliance & Legal
Transparency, compliance, and your consumer rights
Our Commitment to Compliance
The Collins Academy operates in full compliance with all federal and state regulations governing credit services and financial consulting. We believe in transparency, ethical practices, and protecting your consumer rights.
Regulatory Framework
Credit Repair Organizations Act (CROA)
We comply with the Credit Repair Organizations Act (15 U.S.C. §§ 1679-1679j), which regulates credit service organizations. Under CROA, you have specific rights including:
- The right to cancel services within 3 business days without charge
- The right to receive a written contract detailing services and costs
- Protection from false or misleading representations
- The right to dispute credit report errors yourself at no cost
Fair Credit Reporting Act (FCRA)
All credit dispute and optimization strategies comply with the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.), which governs:
- Consumer rights to accurate credit reporting
- Procedures for disputing inaccurate information
- Credit bureau obligations to investigate disputes
- Consumer privacy protections
Your Consumer Rights
Understanding your rights is the foundation of our relationship
Right to Cancel
You may cancel any contract with us within three (3) business days from the date you signed the agreement. Cancellation must be in writing and sent to our office address. You will receive a full refund of any fees paid if cancelled within this period.
Right to Information
You have the right to obtain your credit report from each of the three major credit bureaus once every 12 months at no cost through AnnualCreditReport.com. You also have the right to dispute inaccurate information directly with credit bureaus at no cost.
Truthful Representations
We do not make false claims about results, guaranteed credit score increases, or specific funding amounts. All statements about services are truthful, and results vary based on individual circumstances.
Important Disclosures
Results Vary
Individual results depend on your specific credit history, financial situation, adherence to the program, and actions taken by credit bureaus and lenders. We cannot guarantee specific credit score increases or funding amounts.
No Attorney-Client Relationship
The Collins Academy is not a law firm and does not provide legal advice. Services are consulting and strategic guidance. For legal matters, we recommend consulting with a licensed attorney.
Business Formation Services
Business formation services include document preparation and filing assistance. We are not attorneys and do not provide legal advice regarding entity selection, tax implications, or liability protection. Consult with legal and tax professionals for specific advice.
Funding Assistance
We provide guidance and structure to help position you for funding eligibility. Final funding decisions are made by lending institutions based on their underwriting criteria. We do not guarantee loan approval or specific funding amounts.
Tradeline Services
Our tradeline services include both primary tradelines (where you are the account holder) and authorized user tradelines (where you are added to existing accounts). We offer a strategic mixture of revolving, installment, and auto accounts to build a well-rounded credit profile. All of our tradelines are guaranteed to post to the credit bureaus within 2 billing cycles or your money back. Tradeline placement is done in compliance with all applicable laws and creditor terms.
Licensing & Registration
The Collins Academy maintains all required state registrations and surety bonds as mandated by state law for credit services organizations. We are registered in states requiring such registration and maintain appropriate bonding.
For specific registration and bond information for your state, please contact our compliance department.
Questions About Compliance?
Our compliance team is available to answer questions about our practices, your rights, or regulatory matters.
Compliance Department: information@thecollinsacademy.com
Phone: 800-201-8582
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