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Credit Repair Disclosure

Consumer Credit File Rights Under State and Federal Law

Effective Date: July 1, 2026
Business: Helmet Consulting Group LLC ("HCG")
Website: https://www.helmetcg.com
Contact: admin@helmetcg.com | (646) 783-8831

IMPORTANT NOTICE — PLEASE READ THIS ENTIRE DOCUMENT BEFORE SIGNING ANY CONTRACT OR PAYING ANY MONEY FOR CREDIT REPAIR SERVICES

Your Rights Under the Credit Repair Organizations Act (CROA)

The Credit Repair Organizations Act (15 U.S.C. §§ 1679–1679j) gives you specific rights when working with any credit repair organization. Before you sign a contract with Helmet Consulting Group LLC for credit repair services, you have the right to receive this disclosure.

1. You Have a Right to a Free Copy of Your Credit Report

You are entitled to receive a free copy of your credit report from each of the three major credit bureaus — Equifax, Experian, and TransUnion — once every 12 months. You can obtain your free reports at:

  • AnnualCreditReport.com (the only federally authorized free report website)
  • Phone: 1-877-322-8228

2. You Have the Right to Dispute Inaccuracies Yourself — For Free

You have the right to dispute inaccurate, incomplete, or unverifiable information on your credit report on your own, at no cost. You can contact each credit bureau directly:

  • Equifax: equifax.com | 1-800-685-1111
  • Experian: experian.com | 1-888-397-3742
  • TransUnion: transunion.com | 1-800-916-8800

Helmet Consulting Group LLC cannot do anything for you that you cannot legally do for yourself.

3. Illegal or Accurate Information Cannot Be Removed

No credit repair organization — including HCG — can legally promise or guarantee to remove accurate, current, verifiable negative information from your credit report. Items such as legitimate late payments, charge-offs, or bankruptcies that are accurate and within the legal reporting timeframe cannot be legally deleted.

Anyone who promises to remove accurate negative information from your credit report is making a false claim. HCG does not make such promises.

4. What HCG Does for You

When you engage HCG for credit repair services, we will:

  • Obtain and review your credit reports from all three bureaus on your behalf
  • Identify items that may be inaccurate, incomplete, unverifiable, or outdated
  • Send written dispute letters to the relevant credit bureau(s) and/or original creditors
  • Follow up on disputes and communicate results to you
  • Provide guidance on credit-building strategies

All dispute activity is conducted on your behalf and with your authorization.

5. No Upfront Fees — Your Rights Under CROA

Under the Credit Repair Organizations Act:

  • A credit repair organization cannot charge you any money before they have fully performed the agreed-upon services. HCG will not charge you for services not yet rendered.
  • You have the right to receive a written contract before any services begin.
  • You have the right to cancel your contract with HCG within 3 business days of signing it, without any penalty or obligation, simply by notifying us in writing.

6. No Guarantee of Results

Credit repair results vary and depend entirely on the specific contents of your individual credit file and how each credit bureau responds to disputes. HCG cannot guarantee:

  • That any specific item will be removed from your credit report
  • Any specific point increase in your credit score
  • A specific timeframe for results

Typical client results range from 50–150 point improvements over 3–6 months. Your individual results may be higher, lower, or different.

7. Your Cancellation Right

You may cancel your contract with Helmet Consulting Group LLC within 3 business days of signing it, without any penalty. To cancel, notify us in writing by:

  • Email: admin@helmetcg.com
  • Mail: Helmet Consulting Group LLC, New York, NY

Cancellation notices sent by email are effective on the date sent.

8. Written Contract Required

Before HCG begins any credit repair services, you will receive and must sign a written service agreement that includes:

  • The services to be performed
  • The timeframe for performance
  • The total cost of the services
  • HCG's name, address, and contact information
  • Your cancellation rights

Do not pay any money or allow any services to begin until you have received and signed a written contract.

9. Prohibited Practices

Under federal law, Helmet Consulting Group LLC is prohibited from:

  • Making false or misleading statements about our services
  • Charging fees before services are fully performed
  • Advising you to make false statements to credit bureaus or lenders
  • Advising you to alter your identity to create a new credit profile (known as "file segregation" — this is a federal crime)
  • Removing accurate, current, and verifiable negative information from your credit file

If you believe HCG or any representative has violated these rules, you may contact:

  • Federal Trade Commission (FTC): ftc.gov | 1-877-382-4357
  • Consumer Financial Protection Bureau (CFPB): consumerfinance.gov | 1-855-411-2372

10. Contact and Complaints

Helmet Consulting Group LLC
New York, NY
Email: admin@helmetcg.com
Phone: (646) 783-8831
Website: https://www.helmetcg.com