ConsumerDirect® ("We", "Us", "Our") is the owner, maker and service provider for all your Membership services. Your membership contract for services is with ConsumerDirect and you can securely access your membership service at: www.smartcredit.com
Any use of the marketing term Control your Credit, with a Button, Free, Smart, Credit, Report and/or System, in any combination and in any manner is for marketing purposes only. The Smart Credit® system and many of its components are patents-pending of ConsumerDirect®. The use of the term “free” ( such as in free smart credit report® ) may sometimes also refer to a free-trial period Membership. In some cases we may use free to denote a free Smart Action® you may be entitled to during your free-trial period or during your Membership. All of our services have a monthly Membership fee after any free-trial period.
The following issued patents cover various aspects of our system and technology:
USPTO # 7,818,228
USPTO # 7,877,304
The following are Trademarks of ConsumerDirect®:
Smart Credit® - including our Smart Action button and arrow as shown in our logo
Manage Your Identity®
Score, Fix & Lock®
Smart Credit Report® *
Your Money, Credit and Identity in one place™
Better Credit. Save Money. Do More.™
Quick Slide Navigation™
120 Days to Better Credit™
Jean Chatzky Score Builder™
IIMPORTANT DISCLOSURE: Consumer Direct is not affiliated with the annual free credit report program. Under Federal law, you have the right to receive a free copy of your credit report once every 12 months from each of the three nationwide consumer reporting agencies. To request your free annual report under that law, you must go to www.annualcreditreport.com.
* - The Smart Credit Report is new credit and communications technology patented under USPTO 7,818,228 and is not a credit report as traditionally known or viewed, nor is it prepared by or obtained as a file disclosure from a National Credit Reporting Agency. It is entirely different containing additional data, formatting and print restrictions that are not similar to a credit report. The Smart Credit Report is a communications medium for consumers and their creditors. Safe Harbor Disclosure: THIS NOTICE IS REQUIRED BY LAW. Read more at FTC.GOV You have the right to a free credit report from AnnualCreditReport.com or 877-322-8228, the ONLY authorized source under federal law for a free credit report.
Please thoroughly read this agreement.
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Our trademarks and service marks are used and registered throughout the world. Our Company and/or subsidiaries also claim rights in certain other trademarks and service marks contained in these web pages.
Use of Information and Materials
The information and materials contained in these pages, and the terms, conditions, and descriptions that appear, are subject to change. Unauthorized use of our web sites and systems, including, but not limited to, unauthorized entry into our systems, misuse of passwords, or misuse of any information posted on the site is strictly prohibited. Not all products and services are available in all geographic areas. Your eligibility for particular products and services is subject to final determination by us and/or our affiliates.
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LIMITATION OF LIABILITY
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Certain sections or pages on this site may contain separate terms and conditions, which are in addition to these terms and conditions. In the event of a conflict, the additional terms and conditions will govern for those sections or pages. We and this site are ConsumerDirect and we are licensed and bonded, where it believes applicable by rules and regulations it may require.
Use of this site shall be governed by all applicable Federal laws of the United States of America and the laws of the State of California. Legal venue, for any actions, shall be exclusively in the County of Orange, California.
NOTICE AND PROCEDURE FOR MAKING CLAIMS OF COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF SERVICE PROVIDERS:
PURSUANT TO SECTION 512(c)(2) OF THE COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT ("Act"), WRITTEN NOTICE OF ANY CLAIMED COPYRIGHT INFRINGEMENT RELATING TO THE ACTIVITIES OF SERVICE PROVIDERS UNDER SECTION 512 OF THE ACT MUST BE SUBMITTED TO OUR DESIGNATED AGENT NAMED BELOW. ANY NOTICE SENT TO THE DESIGNATED AGENT MUST MEET THE REQUIREMENTS OF SECTION 512(C)(3) OF COPYRIGHT REVISION ACT, AS AMENDED BY THE DIGITAL MILLENNIUM COPYRIGHT ACT. SERVICE PROVIDER(S): WE, THIS SITE, CONSUMERDIRECT AND ANY AFFILIATES, INCLUDING SUBSIDIARIES, OF THE ABOVE.
Name of Agent Designated to Receive Notification of Claimed Infringement:
National Registered Agents, Inc.
Designated Agent's Address:
2030 Main Street, #1030, Irvine, CA 92614
Telephone, fax and email Address of Designated Agent: Fax:
Tel: (800) 767-1553 Fax: (609) 716-0820
NOTE: ALTHOUGH NOT REQUIRED, IT IS RECOMMENDED THAT NOTIFICATIONS BE SENT BOTH BY FAX AND BY EMAIL AND THAT ANY EMAIL NOTIFICATION INCLUDE "NOTICE OF ALLEGED SERVICE PROVIDER INFRINGEMENT" IN THE SUBJECT LINE OF THE EMAIL.
This contact information is provided only for the purposes stated above. We cannot respond to OTHER INQUIRIES, SUCH AS REQUESTS to open or service accounts or otherwise conduct business with us or our affiliates.
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Copyright in the pages and in the screens displaying the pages, and in the information and material therein and in their arrangement, is owned by ConsumerDirect unless otherwise indicated.