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    Legal Document

    CROA Disclosure

    Effective Date: [TBD — date of publication]
    Last Updated: [TBD — date of publication]

    This page contains the Consumer Credit File Rights Under State and Federal Law disclosure required by the Credit Repair Organizations Act (CROA), 15 U.S.C. § 1679c. This disclosure is provided to all Mesa Group Consulting credit repair clients before any contract is signed and is also available here for general public reference.

    Table of Contents

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    IMPORTANT NOTICE

    This page reproduces the federal CROA disclosure as required by 15 U.S.C. § 1679c (Section 405 of the Credit Repair Organizations Act). The statutory language is reproduced below.

    A standalone, signed copy of this CROA Disclosure is provided to all clients at enrollment as a separate exhibit to their service agreement.

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    CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW

    Verbatim Federal Statutory Text — 15 U.S.C. § 1679c

    You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor a credit repair company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.

    You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.

    You have a right to sue a credit repair organization that violates the Credit Repair Organizations Act. This law prohibits deceptive practices by credit repair organizations.

    You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.

    Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.

    You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.

    If the credit bureau's reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.

    The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:

    The Public Reference Branch, Federal Trade Commission, Washington, D.C. 20580.

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    HOW THIS DISCLOSURE IS PROVIDED

    In addition to being available on this page, the CROA Disclosure is provided to every Mesa Group Consulting credit repair client as follows:

    • Before signing: Provided as a standalone written disclosure document before the consumer signs any credit repair services agreement
    • At enrollment: Included as a signed exhibit to the service agreement, with a separate signature line acknowledging receipt
    • Within the contract: Reproduced verbatim in Section 3.4 of our Terms & Conditions
    • In our Disclaimer: Reproduced verbatim in Section 3.4 of our Disclaimer

    The signed acknowledgment is retained by Mesa Group Consulting in accordance with our recordkeeping practices.

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    YOUR ADDITIONAL CALIFORNIA RIGHTS

    If you are a California resident, you have additional rights beyond the federal CROA disclosure above:

    California Three-Day Right to Cancel

    California Civil Code Section 1789.16 provides California residents with a three-day right to cancel a credit services agreement, mirroring the federal CROA right.

    California Right to Cancel at Any Time

    California residents may cancel a credit services agreement at any time, for any reason, even after the initial three-day period. Upon cancellation, Mesa Group Consulting will cease all work and you will not be charged for services not yet performed.

    California 180-Day Maximum Contract Term

    Pursuant to California law, credit repair service contracts in California may not exceed one hundred eighty (180) days. The Mesa360 Credit Repair Program, when entered into by California residents, automatically terminates at the end of 180 days unless you and Mesa Group Consulting enter into a new written service agreement.

    California Credit Report Access

    Under California Civil Code Section 1789.15, you have the right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee if you have been turned down for credit, employment, insurance, or a rental dwelling within the preceding 60 days.

    California Complaint Assistance

    The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at:

    California Department of Consumer Affairs

    1625 North Market Blvd., Suite N-112

    Sacramento, CA 95834

    Phone: (916) 445-1254 or (800) 952-5210

    For full California-specific provisions, see Section 28 of our Terms & Conditions and our Right to Cancel page.

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    KEY TAKEAWAYS FOR CONSUMERS

    The CROA disclosure above is the legally required federal text. Here's a plain-language summary of what it tells you:

    • You can dispute inaccurate information yourself, for free — directly with credit bureaus
    • Accurate information cannot be removed — neither you nor any credit repair company can have accurate, current, verifiable information removed
    • Negative info has time limits — accurate negative information stays on your report up to 7 years (10 years for bankruptcy)
    • You have free credit report access in certain situations (turned down for credit, unemployed and job-seeking, on public assistance, or fraud victim)
    • You can sue credit repair organizations that violate CROA
    • You have a 3-day right to cancel any credit repair contract for any reason
    • Credit bureaus must investigate disputes and correct or remove inaccurate information at no charge
    • The FTC regulates this industry and you can report violations
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    HOW MESA GROUP CONSULTING COMPLIES WITH CROA

    In compliance with CROA, Mesa Group Consulting:

    • Does not charge advance fees — fees are only charged after services have been performed
    • Provides this disclosure in writing before any contract is signed
    • Provides a written contract with all required CROA terms and disclosures
    • Honors the three-day right to cancel with no penalty or obligation
    • Requires consumer attestation before disputing any item — we do not dispute information you know to be accurate
    • Does not guarantee specific results or make false representations about credit repair outcomes
    • Maintains records of all client communications, disputes, and services for at least five (5) years (TSR requirement)

    For full details, see our Terms & Conditions (Section 3, CROA Compliance).

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    RELATED PAGES

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    COMPLIANCE DEPARTMENT CONTACT

    For questions about this CROA Disclosure, your rights under CROA, or any aspect of Mesa Group Consulting's compliance with credit repair laws:

    Compliance Department

    Mail:

    Mesa Group Consulting, Attn: Compliance Department

    5001 California Ave, Suite 219

    Bakersfield, CA 93309

    Hours of Operation:

    Monday - Friday: 9:30 AM - 6:30 PM Pacific Time

    Saturday: 10:30 AM - 2:30 PM Pacific Time

    Sunday: Closed

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    FEDERAL REGULATOR CONTACT

    You may also report concerns about credit repair organizations directly to the federal regulators:

    Federal Trade Commission (FTC)

    Website: reportfraud.ftc.gov

    Phone: 1-877-382-4357

    Consumer Financial Protection Bureau (CFPB)

    Website: consumerfinance.gov/complaint

    Phone: 1-855-411-2372

    CHANGES TO THIS DISCLOSURE

    The CROA disclosure language is a federal statutory requirement and reproduces the language required by 15 U.S.C. § 1679c. The statutory language itself does not change unless Congress amends CROA. Mesa Group Consulting may update this page to reflect changes in our practices, contact information, or supplemental California disclosures, but the federal CROA disclosure language above will remain consistent with the statute.

    When we make changes to this page, we will:

    • •Update the "Last Updated" date at the top of this page
    • •Post the revised page on our website

    © 2026 Mesa Group Consulting. All Rights Reserved.