FLORIDA CREDIT SERVICE ORGANIZATIONS ACT
INFORMATION STATEMENT · Fla. Stat. § 817.703

1. Your right to review your credit file

You have a right to review any file on you maintained by any consumer reporting agency, as provided under the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.

2. Free review after a credit denial

You may review your file at no charge if you request the review within 30 days after receiving notice that credit has been denied. Separately, under federal law you are entitled to a free copy if you request it within 60 days after notice of an adverse action, and to one free report every 12 months from each nationwide agency through annualcreditreport.com.

3. Approximate charge for a file review

If you are not otherwise entitled to a free copy, a consumer reporting agency may charge a reasonable fee. The maximum permitted by federal law is $16.00 per report for 2026, adjusted annually by the CFPB under 15 U.S.C. § 1681j(f).

4. Your right to dispute directly, at no cost

You have a right to dispute the completeness or accuracy of any item in any file on you maintained by any consumer reporting agency, directly and by yourself, without hiring Ponte Credit LLC or any other credit service organization. No fee may be charged. You may exercise this right at any time, before, during, or after your agreement with us.

5. Accurate information cannot be permanently removed

Accurate information cannot be permanently removed from the file of a consumer reporting agency. No credit service organization can remove accurate, current, and verifiable information from your credit report.

6. Description of services and total cost

Ponte Credit LLC provides credit repair, credit education, and credit building services in Portuguese and English. Services are delivered in cycles. You are billed only after a cycle is complete.

Cycle 1: Three-bureau credit audit; onboarding consultation; access to the Portuguese credit education course; written credit strategy plan; preparation and transmission of Round 1 dispute correspondence to all three consumer reporting agencies. Ends when Round 1 correspondence is transmitted (typically 6 to 8 days after signing). Fee: $199.00.

Cycle 2 and after: Review of bureau responses; next dispute round; written progress report; ongoing credit strategy guidance; further course modules; Portuguese support by WhatsApp and client portal. Ends when that cycle's progress report is issued (30 days after the previous cycle). Fee: $199.00.

Estimated total cost: Estimated service duration is 3 to 6 cycles, so the total of all payments is estimated at $597.00 (3 cycles) to $1,194.00 (6 cycles). All payments are made to Ponte Credit LLC. No payment is made to any other person.

7. Right to cancel

You may cancel the contract within 5 (five) calendar days from the date of contract execution, under Fla. Stat. § 817.704(2). The federal cancellation period is 3 (three) business days, under 15 U.S.C. § 1679e. The longer period applies.