Rich Bitch Credit, a registered d/b/a of RBC Group & Associates LLC, a California Limited Liability Company located at 10880 Wilshire Blvd, Suite 1101, Los Angeles, CA 90024, is committed to full compliance with the Fair Credit Reporting Act (FCRA) and the Federal Trade Commission (FTC) guidelines as they relate to credit education and credit-related services.

1. Not a Credit Repair Organization (CRO) Under Federal Law

Rich Bitch Credit is not a credit repair organization as defined under the federal Credit Repair Organizations Act (CROA). We do not claim or guarantee the removal of accurate, timely, and verifiable information from your credit reports. Our services are strictly educational and are intended to empower consumers with financial literacy and credit strategy insights.

2. Your Legal Rights Under the FCRA

Under the Fair Credit Reporting Act:

• You have the right to obtain a free copy of your credit report from each of the three major credit reporting agencies once every 12 months at www.annualcreditreport.com.
• You have the right to dispute any inaccurate or incomplete information with the credit bureaus, and they are legally required to investigate and respond within 30 days.
• You are not required to pay anyone to dispute inaccurate information or to access your credit reports.

3. FTC Compliance and Consumer Protections

The Federal Trade Commission enforces consumer protection laws related to credit and financial services. In compliance with the FTC’s rules:

• Rich Bitch Credit does not charge advance fees for any services that could be construed as credit repair.
• We do not misrepresent the potential outcomes of our services.
• We fully disclose that credit improvement is dependent on individual circumstances and cannot be guaranteed.

You can find helpful information about credit and your rights from the FTC at: https://www.consumer.ftc.gov

4. Transparency of Services

All educational services, consultations, and resources provided by Rich Bitch Credit are:

• Voluntary and based on your individual input
• Not a substitute for legal, financial, or credit repair advice
• Intended to increase understanding of credit, debt, and financial literacy principles

5. Questions or Concerns

For questions regarding this legal statement, your rights, or the scope of our services, contact:

Rich Bitch Credit
c/o RBC Group & Associates LLC
10880 Wilshire Blvd, Suite 1101
Los Angeles, CA 90024
Email: [email protected]

By accessing our website or purchasing our services, you acknowledge that you have read, understood, and agree to the limitations and compliance requirements outlined in this statement.