* Disclosure Statement

We provide credit improvement and/or repair services for clients of A-1 Credit . The information in this disclosure statement is for your records. As a Credit Service Organization as defined by TX Bus. & Com. Code Ann. 18.01 et seq., we are required to obtain a surety bond. We have obtained a bond, and as a client of the Company, you may have a right to proceed against the bond in accordance with section 18.03 of the above-mentioned code. The bond has been issued by Gramercy Insurance company, 7616 LBJ Freeway, Suite 720, Dallas, TX 75251. As a client, you have the right to review any file maintained by a consumer reporting agency, as provided by the Fair Credit Reporting Act (15 U.S.C. Sec. 1681 et seq.). Said file is available for review during regular business hours at no charge upon request made to the Company within 30 days after receipt of notice that credit has been denied,and the file is available for a minimal charge at any other time. Client has a right to dispute directly with the consumer reporting agency the completeness or accuracy of any item contained in a file on the Client maintained by that consumer reporting agency. Accurate information cannot be permanently removed from the files of a consumer reporting agency. According to Title VI-Provisions Relating to Credit Reporting Agencies, Section 605 Obsolete Information is information: (a) Except as authorized under subsection (b), no consumer reporting agency may make any consumer report containing any of the following items of information: 1. Cases under Title11 of the United States Code or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. 2. Suits and judgments which, from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is longer period. 3. Paid tax liens which, from date of payment, antedate the report by more than seven years. 4. Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. 5. Records of arrest, indictments, or conviction of crime which, from date of disposition, release, or parole, antedate the report by more than seven years. 6. Any other adverse item of information which antedates the report by more than seven years. (b) The provisions of subsection (a) are not applicable in the case of any consumer credit report to be in connection with: 1. A credit transaction involving, or which may reasonably be expected to involve, a principal amount of $50,000 or more; 2. The underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of $50,000 or more; or 3. The employment of any individual at an annual salary which equals, or which may reasonably be expected to equal $20,000 or more.

Consumer Credit Counseling Service of Greater Dallas, Inc. (a non-profit community service agency) is available to provide free counseling, and education services free or at a low cost.