Terms

Terms of Service

SCN First Class has found that its best to operate within the parameters of IRS and Business law and help consumers understand that Section 404(a)(2) of the Credit Repair Organizations Act; prohibits all persons from making any statement, or counseling or advising any consumer to make any statement, the intended effect of which is to alter the consumer’s identification to prevent the display of the consumer’s credit record, history, or rating for the purpose of concealing adverse information that is accurate and non-obsolete to any consumer reporting agency as defined in 15 U.S.C. § 1681(f) or to any person who has extended credit to the consumer or to whom the consumer has applied or is applying for an extension of credit. 15 U.S.C. § 1679b(a)(2).

Furthermore: Pursuant to Section 410(b)(1) of the Credit Repair Organizations Act, 15 U.S.C. § 1679h(b)(1), any violation of any requirement or prohibition of the Credit Repair Organizations Act constitutes an unfair and deceptive act or practice in commerce in violation of Section 5(a) of the FTC Act, 15 U.S.C.§ 45(a).

So consumers can be aware an “SCN’ is defined as any 9 digit number which can be used for credit; such as a SSN, ITIN, TIN, or EIN and it is very clear the largest warehouser of converted 9 digit government issued numbers; such as, ITIN, TIN, SSN, and EIN ARE IN FACT FOUND THROUGH OUT THE BANKING WORLD AND WITHIN THE BANKS DATABASE and ATTACHED TO CREDIT AND LOAN FOLDER LEGALLY ORIGINATED BY THESE SAME BANKS.

IT IS OUR STATEMENT THAT SCN FIRST CLASS  IS NOT ENGAGING IN ANY PROHIBITED BUSINESS ACTIVITIES SUCH AS: 1. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers; 2. Representing that the building of your scn record by applying for credit using an EIN, a TIN, or an alternate social security number instead of a consumer’s own social security number is legal; 3. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and 4. Misrepresenting any fact material to a consumer’s decision to purchase our products or services. 5. Representing, expressly or by implication, that through the use of our products or services, consumers can alter their identifying information to conceal adverse credit information from consumers’ credit records, credit histories, or credit ratings, including but not limited to the use of Dun & Bradstreet Numbers (“DBNs”), Employer Identification Numbers (“EINs”), Taxpayer Identification Numbers (“TINs”), or alternative Social Security Numbers in lieu of the consumers’ own Social Security Numbers; F. Representing that the building of your scn record by applying for credit using a DBN, EIN, a TIN, or an alternate Social Security Number instead of a consumer’s own Social Security Number is legal; 6. Misrepresenting any material fact concerning the ability of our products or services to perform or provide any credit-related function for consumers, including but not limited to improving consumers’ credit reports or profiles, consolidating debt, obtaining or arranging a loan, or obtaining or arranging any extension of credit; and 7. Misrepresenting any fact material to a consumer’s decision to purchase our products or services.

SCN First Class assumes no liabilty for any illegal activitiy performed with your “SCN”. We also reserve the right to collect payment in full for all services prior to the rendering of the service. We ask that all clients secure a completely new address with no prior affiliations, or connections to previous credit. With this understanding clients free SCN First Class of all obligations, for anything outside these requirements. Clients will be charged a $100.00 non refundable fee for any error made by client in the re-issuing of a new “SCN”. Clients may not under any circumstances use an “SCN” for any Government or state official documents (i.e., filing taxes or applying for employment). It is the client’s responsibility to remain in good standing with all creditors.