| FAQS |
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| Consumer Credit File Rights Under State and Federal Law |
| You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any 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 Organization 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 or 5 business days if in Utah) 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 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 |
| Privacy Act Disclosure |
| Gatt Financial Services is extremely concerned about the protection of online privacy for all our web site visitors. Gatt Financial Services is the sole owner of the information collected on this site. We will not sell, share, or rent this information to others in any way. The only information we share is the personal information necessary to complete our services by dealing with the credit bureaus and your creditors. Your information is fully protected both online and offline. |
| Refund Policy |
| If for any reason, at any time, you are not satisfied because you have witnessed no improvements to your credit as a result of Gatt Financial Services; you are eligible for a full or partial refund. Any refund requests must be made in writing and require a minimum of 14 days to be processed and will first undergo an approval process. Eligibility for a full refund will be determined by Gatt Financial Services. If you can prove that Gatt Financial Services did not help your credit in any way, a full refund is guaranteed. |
| File Review Statement |
| You have the right to review any file maintained by Gatt Financial Services as provided under 15 USC Sec. 1681 as emended, the Fair Credit Reporting Act. A review of your file will be conducted at your request if you are denied credit by any lender. |
| Length of Time Disclosure |
| Under the Credit Repair Organizations Act, Gatt Financial Services is obligated to disclose the length of time in which credit repair services will be rendered and completed. Gatt Financial Services' customers, on average, spend 2-8 months before completing the program. However, that the length of time that you spend in this program may be different depending on your circumstances. At any time you may ask your representative for an estimate in which the services will be complete and in turn the representative will advise accordingly. Though the program will probably be short, the program and fees will not last longer than 2 years. |
| 5 Day Cancellation Notice |
| You, the buyer, may cancel your contract at any time prior to midnight of the fifth day after the date of signing the agreement. |
Auto Loan Calculator
Auto Loan Calculator
Auto Loan Cost
| Auto Loan: $30k Term: 5 yrs | ||||
|---|---|---|---|---|
| Credit Rating | Rate | Pmt | Total Cost | Interest |
| Perfect | 7% | $594 | $35,642 | $5,642 |
| Damaged | 14% | $698 | $41,883 | $11,883 |
| Poor | 21% | $812 | $48,696 | $18,696 |
Credit Score Grading
| Credit | Credit Score |
|---|---|
| A+ | 750 and Higher |
| A | 720 to 740 |
| A- | 680 to 699 |
| B+ | 660 to 679 |
| B | 640 to 659 |
| C+ | 620 to 639 |
| C | 600 to 619 |
| D-F | 599 and Below |
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