Terms & Conditions
PART A. GENERAL TERMS
1. ACCEPTANCE OF TERMS
You agree that your enrollment and use of RENT INTO CREDIT service and the sites will always be subject to the most current version of these Terms at the time of such use. You may not use the service and you may not accept these Terms if you are not at least 18 years of age and, in any event, of a legal age to form a binding agreement with RENT INTO CREDIT. If you accept these Terms, you represent that you are of legal age (18); you pay rent at a residence within o be bound by them. Please print or save a local copy of these Terms for your records. Depending on your activities when visiting the Site or using a particular Service associated to the site, you may be required to agree to additional terms and conditions as indicated on the applicable Site or via the particular Service.
2. SERVICES OFFERED
RENT INTO CREDIT offers various tools and functions through the Sites (the “Services”) which generally enable the reporting of a consumer’s rental payment history to one or more credit bureaus. To be eligible to use the Services, you must be a resident of the United States, be included on the lease or property agreement and be at least 18 years old. RENT INTO CREDIT provides you with the ability to quickly add a new trade-line to your consumer credit report. RENT INTO CREDIT is provided directly to consumers, and utilizes an independent verification of rent process which works directly with your landlord or property manager. In order to use the REN INTO CREDIT Service, you will need to provide RENT INTO CREDIT with your rental information (such as landlord information, rent terms, etc.) and any information necessary for us to contact and validate the information with your landlord or property manager (“Account Information”). By using the Services, you expressly authorize RENT INTO CREDIT to access the Account Information, on your behalf and as your service agent, solely for the purpose of providing the Services to you from the site. You hereby authorize and permit RENT INTO CREDIT to use and store Account Information submitted by you to accomplish theforegoing including personal information about your identity.
3. YOUR USE OF THE SERVICES
Your right to access and use the Sites and use the Services is personal to you and is not transferable by you to any other person or entity, and you may only access and use the Sites
and Services for lawful purposes. You agree to allow RENT INTO CREDIT to process and/or facilitate all aspects of the validation of rental payment history and the accuracy of your lease agreement with your Landlord or Property Manager as detailed throughout this agreement.
IMPORTANT: PLEASE READ THOROUGHLY BEFORE SUBMITTING YOUR MEMBERSHIP REQUEST.
RENT INTO CREDIT specializes in the servicing of rental accounts and the providing of rental data and other transaction information to one, some, or all of the major credit bureaus on behalf of renters/residents/tenants/landlords/property management companies and others. Cross promotion with various financial institutions and e-partners may provide some members with access to credit cards, auto loans, auto leases, mortgages, student loans and other comprehensive loan programs. Accurate records enable us to provide the Sites and Services to you. You must provide true, accurate, current, and complete information about your account, and you may not misrepresent any Information. In order for the Services to function effectively, you must also keep your Account Information up- to- date and accurate. Failure to update your information may affect the accuracy and effectiveness of the Services provided to you. You represent that you are authorized to provide us with, all Account Information and other information necessary to facilitate your use of the Services. Your access and use of the Sites or Services may be interrupted from time to time for any of several reasons, including the malfunction of equipment, periodic updating, maintenance or repair of the Service, or other actions that RENT INTO CREDIT in its sole discretion, may elect to take. In no event will RENT INTO CREDIT be liable to any party for any loss, cost, or damage that results from any period of downtime of the Sites or Services.
4. TERM AND TERMINATION
These Terms will be in effect from the date you first access the Sites or Services. YOU MAY TERMINATE YOUR ACCOUNT WITH RENT INTO CREDIT AT ANY TIME. RENT INTO CREDIT may terminate or revise these Terms at any time with or without notice. The provisions and all obligations of and restrictions on you and any user of your account with respect to any Site or Service shall survive any termination of these Terms. The termination of your account with RENT INTO CREDIT shall not affect any fees or charges already due to us from you.
You agree that RENT INTO CREDIT, in its sole and absolute discretion, may terminate your account (or any part thereof) or your use of any Site or Service, for any reason, including for lack of use or if RENT INTO CREDIT believes that you have violated or acted inconsistently with the letter or spirit of these Terms or other terms applicable to a specific Site or Service. RENT INTO CREDIT may, also, in its sole and absolute discretion, and at any time, discontinue providing any Site or Service, or any part thereof, with or without notice. You agree that any termination of your access to a Site or Service under any provision of these Terms may be effected without prior notice, and acknowledge and agree that RENT INTO CREDIT may immediately deactivate or delete your account and all related information and files in your account and/or prohibit any further access to all files, the Sites, or the Services by you. Further,
you agree that RENT INTO CREDIT shall not be liable to you or any third party for any termination of your access to the Sites or the Services.
You can cancel your membership with any Site or Service at any time and have your information deleted from our records. To cancel your RENT INTO CREDIT account, send an email to our customer support desk using the contact us button.
You agree to defend, indemnify, and hold harmless RENT INTO CREDIT from and against all claims, suits, proceedings, losses, liabilities, and expenses, including attorneys’ fees, whether in tort, contract, or otherwise, that arise out of or relate, in whole or in part,to your breach of these Terms or any activity by you in relation to the Sites or your use of the Services.
6. DISCLAIMER OF REPRESENTATIONS AND WARRANTIES THE SITES, SERVICES, INFORMATION, DATA, FEATURES, AND ALL CONTENT IS OFFERED AND MADE AVAILABLE ON AN “AS IS” AND “AS AVAILABLE” BASIS. WWW.RENTINTOCREDIT.COM MAKES NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE CONTENT OR OPERATION OF THE SITES OR SERVICES. YOU EXPRESSLY AGREE THAT YOUR USE OF THE SITES AND SERVICES IS AT YOUR SOLE RISK. WWW.RENTINTOCREDIT.COM MAKES NO REPRESENTATIONS, WARRANTIES OR GUARANTEES, EXPRESS OR IMPLIED, REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, OR CONTINUED AVAILABILITY OF THE CONTENT ON THE SITES OR THE SERVICES, AND EXPRESSLY DISCLAIMS ANY WARRANTIES OF MERCHANTABILITY, NON-INFRINGEMENT, OR FITNESS FOR APARTICULAR PURPOSE. WWW.RENTINTOCREDIT.COM MAKES NO REPRESENTATION, WARRANTY, OR GUARANTEE THAT THE CONTENT THAT MAY BE AVAILABLE THROUGH THE SITES OR SERVICES IS FREE OF BUGS, DEFECTS, OR ERRORS, OR INFECTION FROM ANY VIRUSES OR OTHER CODE OR COMPUTER PROGRAMMING ROUTINES THAT CONTAIN CONTAMINATING OR DESTRUCTIVE PROPERTIES OR THAT ARE INTENDED TO DAMAGE,SURREPTITIOUSLY INTERCEPT, OR EXPROPRIATE ANY SYSTEM, DATA, OR PERSONAL INFORMATION. THE SERVICE IS NOT INTENDED TO PROVIDE LEGAL, TAX, OR FINANCIAL ADVICE. WWW.RENTINTOCREDIT.COM IS NOT A FINANCIAL PLANNER, BROKER, OR TAX ADVISOR. To the extent you use a Service for banking or other financial services in any way, the Service is intended only to assist you in your financial organization and decisionmaking and is broad in scope. Before making any final decisions or implementing any financial strategy, you should consider obtainingadditional information and advice from your accountant or other financial advisers who are fully aware of your individual circumstances. RENT INTO CREDIT does not assume any responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store Account Information. Any information made available through the Services will only reflect the information that we most recently accessed, and as such, may not reflect activity that occurred after we last accessed the applicable Third Party Site or any pending transactions.
7. LIMITATION OF LIABILITY
WWW.RENTINTOCREDIT.COM SHALL IN NO EVENT BE RESPONSIBLE OR LIABLE TO YOU OR TO ANY THIRD PARTY, WHETHER IN CONTRACT, WARRANTY, TORT (INCLUDING NEGLIGENCE), OR OTHERWISE, FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY, LIQUIDATED, OR PUNITIVE DAMAGES YOU MAY INCUR IN CONNECTION WITH THE SITES, THE SERVICES, YOUR USE THEREOF, OR ANY OF THE USER SUBMISSIONS, INFORMATION, DATA, OR OTHER MATERIALTRANSMITTED THROUGH OR RESIDING ON THE SITES, OR ANY ERRORS, DEFECTS, INTERRUPTIONS, DELETIONS, OR LOSSES RESULTING THEREFROM, INCLUDING LOSS OF PROFIT, REVENUE, OR BUSINESS, ARISING IN WHOLE OR IN PART FROM YOUR ACCESS TO OR USE OF THE SERVICE, EVEN IF RENTINTOCREDIT.COM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. UNLESS OTHERWISE EXPRESSLYSET FORTH IN THESE TERMS OF SERVICE,WWW.RENTINTOCREDIT.COM LIABILITY TO YOU FOR ANY CAUSE WHATEVER AND REGARDLESS OF THE FORM OF THE ACTION, WIAT ALL TIMES BE LIMITED TO US$500.00 (FIVE HUNDRED UNITED STATES DOLLARS).
8. EXCLUSIONS AND LIMITATIONS
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES.
9. REMEDIES OF USER
Your sole and exclusive remedy for any failure or non-performance of a Service, including any associated software or other materials supplied in connection with a Service, shall be for RENT INTO CREDIT to use commercially reasonable efforts to effectuate an adjustment or repair of the applicable Service. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the Sites or Services or these Terms must be filed within one year after such claim or cause of action arose or be forever barred.
10. MODIFICATIONS TO SITES OR SERVICES RENT INTO CREDIT
reserves the right at any time and from time to time to modify or discontinue, temporarily or permanently, the Sites or Services with or without notice. We reserve the right to change the Services, i,ncluding applicable fees, in our sole discretion and from time to time. In such event, we will provide notice to you. If you do not agree to thehanges after receiving a notice of the change to the Services, you may stop using the Services. Your use of the Services after you are notified of any change(s) will constitute your agreement to such change(s). You agree that RENT INTO CREDIT shall not be liable to you or to any third party for any modification, suspensions, or discontinuance of the Sites or Services.
11. DEALINGS WITH THIRD PARTIES
In connection with RENT INTO CREDIT Offers, the Site may provide links to other web sites or mobile applications belonging to RENT INTO CREDIT advertisers and other third parties. RENT INTO CREDIT does not endorse,warrant, or guarantee the products or services available through the RENT INTO CREDIT Offers (or any other third-party products or services advertised on or linked from our Site), whether or not sponsored, and RENT INTO CREDIT is not an agent or broker or otherwise responsible for the activities or policies of those w guarantee that offers from any particular advertiser or other third are actually the terms that may be offered to you if you pursue the offer or that they are the best terms available.
12. NO UNLAWFUL OR PROHIBITED USE
As a condition of your use of the Sites and Services, you represent and warrant to RENT INTO CREDIT that you will not use the Sites or Services for any purpose that is unlawful or prohibited by these Terms. You may not use the Sites or Services in any manner that could damage, disable, overburden, or impair the Sites or Services. You may not obtain or attempt to obtain any materials or information through any means not intentionally made available or provided for through the Sites or Services. You agree not to access the Sites by any means other than through the interface that is provided by RENT INTO CREDIT for use in accessing the Sites. If RENT INTO CREDIT, in its sole discretion, believes that you may have
engaged in any activities restricted by these Terms or by law, we may take various actions to protect RENT INTO CREDIT, other users, and other third parties from fees, fines, penalties, and any other liability. The actions we may take include the following:
- We may update inaccurate information you provided us;
- We may refuse to allow you to use the Sites or Services in the future;
- We may take legal action against you; and
- You may be liable to RENT INTO CREDIT for the amount of RENT INTO CREDIT’S damages caused by your violation of these Terms. RENT INTO CREDIT, in its sole discretion, reserves the right to terminate these Terms, access to its Sites, or access to the Services for any reason and at any time with or without notice to you.
13. WWW.RENTINTOCREDIT.COM INTELLECTUAL PROPERTY RIGHTS
All copyrights, trademarks and other intellectual property rights in all material or content supplied as part of the WWW.RENTINTOCREDIT.COM Site and service shall remain at all times vested in Us or Our licensors. You are permitted to use this material or content only as expressly authorized in writing by RENT INTO CREDIT or our licensors and may not agree nor assist or facilitate any third party to copy, reproduce, transmit, distribute, commercially exploit or create derivative works of such material or content.
By posting or otherwise submitting a Submission, you represent andwarrant to RENT INTO CREDIT as follows: (a) you are voluntarily submitting the Submission; (b) you understand that no copy of your Submission will be returned to you; (c) the content of the Submission is previously unpublished and is original to you (or, if you are not the personthat created the Submission, the person who created the Submission has granted to you all rights necessary to allow you to grant to RENT INTO CREDIT the rights granted pursuant to these Terms. RENT INTO CREDIT shall have no obligation (expressed or implied) to use (or post) the Submission or to otherwise exploit the Submission or, if commenced, to continue the distribution or exploitation (or posting) thereof, and RENT INTO CREDIT may at any time abandon the use (or posting) of the Submission and/or remove the Submission from the Site for any reason in its sole discretion. You shall not be entitled to any damages or other relief by reason thereof. You hereby acknowledge and agree that the relationship between you and RENT INTO CREDIT is not a confidential, fiduciary, or other special relationship, and that your decision to provide the Submission to RENT INTO CREDIT does not place RENT INTO CREDIT in a position that is any different from the position held by members of the general public with regard to elements of the Submission. You acknowledge and agree that RENT INTO CREDIT does not now and shall not have in the future any duty or liability, direct or indirect, vicarious, contributory, or otherwise, with respect to the infringement or protection of the copyright in and to the Submission. 15. NOTICES
15. NOTICES TO YOU; CONSENT TO RECEIVE ELECTRONIC COMMUNICATIONS
Notices to you may be sent via email, through the Service by displaying links to notices generally on the site, or to your mobile device. You understand and agree that you are entering into these Terms lectronically and that certain categories of information (“Communications”) may be provided by RENT INTO CREDIT to you by electronic means (i.e., via email or by posting the information on a Site). The categories of Communications that may be provided by electronic means include:
- These Terms and any amendments, modifications, or supplements.
- Records of any transactions you handle through the Sites or Services,including payment histories and transaction confirmations.
- Disclosures or notices provided in connection with the Services, including any required by federal or state law (including initial disclosures, periodic statements, periodic and annual error resolution notices, initial and annual privacy notices, opt-out notices, and change-in-terms notices).
- Any customer service communications, including communications with respect to claims of error or unauthorized use of the Sites or Services.
- Any other communication related to the Sites or Services.
All Communications will be deemed to have been received by you no later than 5 business days after we send it to you by email or post it on a Site, whether or not you have received the email or retrieved the Communication from the Site. An electronic Communication by email is considered to be sent at the time that it is directed by RENT INTO CREDIT email server to your email address. You agree that these are reasonable procedures for sending and receiving electronic Communications. You agree to promptly update your account records with us if your email address changes so that we may contact you electronically. You may update your account records, such as your email address, as described in the Changes to Your Information section of these Terms. You understand and agree that if we send you an electronic Communication but you do not receive it because the email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, RENT INTO CREDIT will be deemed to have provided the Communication to you. Although we reserve the right to provide Communications in paper format at any time, you agree that we are under no obligation to do so. All Communications in either electronic or paper format will be considered to be “in writing.” You should print a paper copy of these Terms and any Communication that is important to you and retain the copy for your records. If you do not wish to receive these Terms or the Communications electronically, you may not use the Sites or
Services. In order to access and retain Communications, you must have:
- a computer with an Internet connection;
- a current web browser that includes 128-bit encryption (e.g., Internet Explorer version 6.0 and above, Firefox version 2.0 and above, Chrome version 3.0 and above, or Safari 3.0 and above) with cookies enabled;
- a valid email address (i.e., your primary email address on file with RENT INTO CREDIT); and
- sufficient storage space to save past communications or an installed printer to print them.
If you have opened an account with us and you wish to withdraw your consent to have Communications provided electronically, please contact customer support by submitting an email using the “contact us” link on the website.
16. JURISDICTION; GOVERNING LAW
These Terms shall be deemed and treated as though they were entered into, executed, and performed COLLECTIVELY in California, an the State of California and the State of North Carolina without regard for conflict of law rules thereof that would result in the application of the laws of another jurisdiction, apply to all matters relating to use of the Sites and Services and shall without limitation govern these Terms. By use of the Sites or Services, you agree that any lawsuit or other actionbrought or filed with respect to use of the Sites or Services or concerning these Terms shall be brought in a court of competent jurisdiction in Cook County, Illinois and you hereby submit to jurisdiction of such court. In any lawsuit or other action relating to enforcement or breach of these Terms, the prevailing party shall be entitled to recovery of costs, fees, and expenses of any action, including attorneys’ fees and accounting fees. PART B. CREDIT REPORTING SERVICES AND DATA TRANSFER The following additional terms apply when authorizing Rental Payment Data Reporting. RENT INTO CREDIT specializes in the collection, servicing and provision of rental payment data and other transaction information to one, some, or all of national credit reporting agencies (CRAs) on behalf of renters/ residents/tenants/landlords/property management companies and others. Due to the differing requirements for trade-line information by the various CRAs as well as the agreements between RENT INTO CREDIT and the CRAs, RENT INTO CREDIT may not be able to report your rental payment information to any specific CRA, nor do we guarantee that any specific CRA will receive your rental payment information. WWW.RENTINTOCREDIT.COM CANNOT AND DOES NOT PROMISE OR GUARANTEE THAT YOU WILL OBTAIN ANY NEW CREDIT, SUCH AS A CREDIT CARD, AUTO LOAN, AUTO LEASE, MORTGAGE, STUDENT LOAN OR OTHER LOAN PROGRAM AS A RESULT OF WWW.RENTINTOCREDIT.COM SERVICES. While we believe that you are more likely to obtain such credit if we are successful in adding rental payment information to your credit profile, the ultimate credit decision remains with the lender or credit grantor, and we cannot control nor do we aid in that process. Including rental payment data on your credit profile does not guarantee a higher credit score, since your credit score is dependent on numerous variables that are outside of the control of RENT INTO CREDIT. RENT INTO CREDIT encourages you to be responsible with your credit in order to maintain and increase your credit profile and credit worthiness. Responsible steps include:
- Paying any and all bills on time
- Not applying for more credit than you need, and not exceeding a healthy debt/income ratio.
- Reporting your rent
- Avoiding collections, bankruptcy, and debt consolidation if possible
- Not co-signing on loans or lines of credit for others if doing so might put you at risk.
1. CREDIT REPORTING
RENT INTO CREDIT will report your rental payment data upon your authorization, which consists of two steps. The first authorization occurs on your agreement to the terms and conditions set forth here when entering the site. The second voluntary authorization step utilizes a standalone third party e-signature application which collects your date of birth and your social security number as verification of your authorization for the reporting
of your rental payment data. WWW.RENTINTOCREDIT.COM DOES NOT REQUIRE SOCIAL SECURITY NUMBER AND DATE OF BIRTH TO PROVIDE ITS SERVICES. YOU ACKNOWLEDGE THAT BY PROVIDING YOUR INFORMATION TO THE SITE YOU ARE AUTHORIZING WWW.RENTINTOCREDIT.COM TO REPORT YOUR RENTAL PAYMENT DATA.
Subject to the Fair Credit Reporting Act and any other applicable federal or state laws, rules or regulations, the following restrictions apply to all users of the site who elect to have their payments reported to a CRA: Upon the transmission of the payment data by RENT INTO CREDIT to a CRA, the data set containing the payment information cannot be modified, amended or canceled. Notwithstanding the above, any party may dispute any entry on a credit report provided by RENT INTO CREDIT to a CRA.
2. YOUR CREDIT REPORT
By joining RENT INTO CREDIT you authorize RENT INTO CREDIT to verify your rent with the proper authorities and understand that after RENT INTO CREDIT is able to verify your information, your rental data will be provided to the credit bureau to be added to your Credit Report within 20-160 days from initial account creation. You agree to provide RENT INTO CREDIT necessary personal information as required by RENT INTO CREDIT, credit-reporting agencies and in requesting verification of positive or derogatory credit information from landlord or property manager of the member. NO ONE, INCLUDING RENTINTOCREDIT.COM, CAN ADD UNVERIFIED, FALSE, OR MISLEADING INFORMATION TO YOUR CONSUMER CREDIT PROFILE. INFORMATION CAN BE REMOVED FROM A PERSON’S CREDIT PROFILE ONLY IF THE CREDIT HISTORY IS INACCURATE OR OBSOLETE AND IS NOT CLAIMED TO BE ACCURATE BY THE CREDITOR WHO SUBMITTED THE INFORMATION TO THE CREDIT BUREAU. WWW.RENTINTOCREDIT.COM WILL SEEK TO HAVE ANY INACCURATE INFORMATION CORRECTED AND, IF APPROPRIATE, REMOVED BY THE CRA’s AND TO THE EXTENT REQUIRED UNDER APPLICABLE FEDERAL AND STATE LAWS, INCLUDING THE FAIR CREDIT REPORTING ACT.
3. PERMISSION/AUTHORIZATION TO VALIDATE AND VERIFY DATA RENT INTO CREDIT
will verify and certify the rental information provided by the member. If RENT INTO CREDIT has a problem verifying your information, you will be contacted. You may be contacted by your landlord or property manager to verify your participation in the site and or service, and that you have given permission to RENT INTO CREDIT to verify information that you have provided as part of your membership or activation Services. You agree that promptly upon receipt of any correspondence related to the RENT INTO CREDIT service, you will provide permission for RENT INTO CREDIT to access the correspondence and or act on your behalf. You also agree to retain for your records and forward a copy of such correspondence to RENT INTO CREDIT. Member empowers RENT INTO CREDIT, its employees, agents, subcontractors and assignees to perform or engage in any act on behalf of member related to including, without limitation, the right to verify the member’s rental data and personal information provided. The specific acts necessary to accomplish the purpose of this agreement shall be at the sole discretion of RENT INTO CREDIT professional judgment. The specific acts shall also require periodic verification of member’s rental data.
4. RESPONSIBILITIES OF DATA REPORTING RENT INTO CREDIT
is not responsible for the data once it is received by the CRAs; you agree to hold RENT INTO CREDIT harmless against any such claims, subject to the Credit Reporting Dispute Resolution Policy and the Fair Credit Reporting Act.
5. POTENTIAL EFFECT ON CREDIT REPORT OF INCONSISTENT OR TERMINATION OF CREDIT REPORTING
Upon the payment data being provided to the CRA, the interruption or termination of the reporting data cycle or account to a CRA may negatively impact a member’s credit history, including the subsequent reporting of such bill or account following a period of no reporting on such bill or account, which may occur for a variety of reasons, including cessation of use of the RENT INTO CREDIT services. RENT INTO CREDIT shall not be liable for any claims, charges, demands, damages or adverse impacts on a member credit score or credit history if that member ceases using RENT INTO CREDIT’S Services or in the event of inconsistent data reporting during the use of the service.
6. NOT A CREDIT REPAIR ORGANIZATION RENT INTO CREDIT
and its affiliates are not credit repair organizations and are not offering to sell, provide or perform any service to you for the express or implied purpose of either improving your credit record, credit history or credit rating or providing advice or assistance to you with regard to improving your credit record, credit history or credit rating, nor does RENT INTO CREDIT charge consumers a fee for advice on how to change, modify or improve their credit file or score. You acknowledge and agree that you are not seeking to purchase, use or access any of the Services in order to do so. Please note that accurate adverse information on your credit report cannot be changed. PART C. WWW.RENTINTOCREDIT.COM CREDIT REPORTING DISPUTE RESOLUTION POLICY AND CREDIT REPORT INFORMATION DISCLOSURE I. DISPUTE OF INACCURATE CREDIT REPORTING INFORMATION BY CLIENT
1. NOTICE OF DISPUTE
A member of the site and service may dispute any entry on their credit report derived from information provided by RENT INTO CREDIT to a CRA by notifying RENT INTO CREDIT either by mail or by other means available to the member. The member shall provide the following information as part of any dispute of information provided by RENT INTO CREDIT:
- Legal Name or as Registered:
- Contact Information:
- Name of Creditor (Landlord / Property Manager)
- The dispute with the information
2. DISPUTED ACCOUNT INFORMATION INVESTIGATED
Upon receipt of a dispute, RENT INTO CREDIT will, conduct a reasonable investigation and make a determination of the status of the disputed information within (72) business hours of receipt of the notice of dispute from the member. RENT INTO CREDIT will investigate the dispute claim and all relevant information pertaining to that member. The determination shall be one of the following three options:
a.The dispute is frivolous or irrelevant and the information originally provided is accurate; b. The disputed information is inaccurate; or c. More information is necessary to make a final determination regarding the disputed information.
3. NOTIFICATION OF DETERMINATION
Once a final determination has been made regarding the disputed information, RENT INTO CREDIT will contact the registered party who initiated the dispute within (5) business days of the original receipt of the dispute by the registered user. If RENT INTO CREDIT determines that the dispute is frivolous or irrelevant, RENT INTO CREDIT shall notify the user by mail or, if authorized by the consumer for that purpose, by other means available to RENT INTO CREDIT. Said notice shall include:
- The reasons for the determination; and
- Identification of any information required to investigate the disputed information.
If RENT INTO CREDIT determines that the disputed information is inaccurate, RENT INTO CREDIT shall notify the user by mail or, if authorized by the consumer for that purpose, by other means available to RENT INTO CREDIT within five (5) Business Days of the determination and will promptly notify all credit reporting agencies (“CRA”) to which RENT INTO CREDIT provided said information and request that they delete or modify the information as appropriate.If RENT INTO CREDIT determines that more information is necessary to complete its investigation, RENT INTO CREDIT will notify the user of the service, and the user’s counter-party if necessary, and request additional information from them to help make a final determination as to the disputed information.
4. ADDITIONAL INFORMATION REQUEST
Upon receipt of the additional information, RENT INTO CREDIT shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute by RENT INTO CREDIT under this section. Notice of said determination shall be forwarded to the member as described above. II. DISPUTE OF CREDIT REPORTING INFORMATION BY CREDIT REPORTING AGENCY 1. INVESTIGATION OF DISPUTED INFORMATION Upon receipt of a notice of dispute from a CRA RENT INTO CREDIT will without any cost to you, conduct a reasonable investigation and make a determination of the status of the disputed information within three (3) Business Days of receipt of the notice of dispute from the CRA. Said investigation shall review all relevant information provided by the CRA, including information given to the CRA by the user. The determination shall be one of the following three options: a. The dispute is frivolous or irrelevant and the information provided is accurate. b. The disputed information is inaccurate c. More information is necessary to make a final determination regarding the disputed information.
2. NOTICE OF DETERMINATION
Once a determination has been made regarding the disputed information, RENT INTO CREDIT will notify the CRA by mail or, if authorized by the CRA for that purpose, by other means available to RENT INTO CREDIT within five (5) Business Days of the determination regarding the disputed information.
If RENT INTO CREDIT determines that the dispute is frivolous or irrelevant RENT INTO CREDIT shall notify the CRA by mail or, if authorized by the
CRA for that purpose, by other means available to RENT INTO CREDIT. Said notice shall include:
- The reasons for the determination; and
- Identification of any information required to investigate the disputed information.
If RENT INTO CREDIT determines that the disputed information is inaccurate, RENT INTO CREDIT shall notify the CRA and the user by mail or, if authorized by the CRA or the user for that purpose, by other means available RENT INTO CREDIT, within five (5) Business days of the determination and will immediately request that CRA delete or modify theinformation as appropriate.If RENT INTO CREDIT determines that more information is necessary to complete its investigation, RENT INTO CREDIT will notify the CRA and the member, and the user’s counter-party, if necessary, and request additional information from them to help make a final determination as to the disputed information.
3. ADDITIONAL INFORMATION REQUEST
Upon receipt of the additional information, RENT INTO CREDIT shall make a final determination on the disputed information, considering all information provided by all parties, within thirty (30) days of receipt of the notice of dispute from the CRA. Notice of said determination shall then be forwarded to the CRA as described above. PART D. MISCELLANEOUS These Terms constitute the entire agreement with respect to the subject matter hereof and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written, between RENT INTO CREDIT and you. If any portion of these Terms is deemed unlawful, void, or unenforceable by any arbitrator or court of competent jurisdiction, these Terms as a whole shall not be deemed unlawful, void, or unenforceable, but only that portion of these Terms that is unlawful, void, or unenforceable shall be stricken from these Terms. Headings used herein are for convenience only and shall not limit, control, or add to the meaning of any term, provision, or condition. Terms and Conditions of Membership updated as of 8/07/2016.