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Disclosures
What Assolto is, what it isn't, and the rights you have under federal law. We'd rather you read this before your consultation than after.
What Assolto does
Assolto provides credit and funding consulting and education for individuals and small-business owners: credit readiness reviews, personal credit education and action plans, business credit building guidance, and funding readiness strategy.
What Assolto is not
- Not a law firm. Nothing on this website or in a consultation is legal advice. For legal questions, consult a licensed attorney.
- Not a lender or loan broker. We don't lend money, arrange or guarantee financing, or accept referral fees from lenders.
- Not tax or investment advice. For those, consult a licensed accountant or financial adviser.
- Not a source of a "new credit identity." We never suggest using a CPN, an EIN in place of your Social Security number, or rented tradelines.
No guarantees
Results vary from person to person and business to business. No one can lawfully guarantee a particular credit score, the removal of accurate information from a credit report, an approval, or a specific timeline. Lenders and credit bureaus make their own decisions.
Paid services
Your first consultation is free. If we recommend a paid service, we'll explain what it includes and what it costs, and we'll provide a written agreement before any work begins.
Where any service we offer is covered by the federal Credit Repair Organizations Act or Florida's Credit Service Organizations Act, we will follow those laws, including by:
- providing a written contract and the federal disclosure statement below before you sign;
- giving you the right to cancel within 3 business days of signing;
- not charging for any such service before it has been fully performed (15 U.S.C. § 1679b(b); see also Florida Statutes § 817.7005); and
- where a covered service is offered by telephone, following the Telemarketing Sales Rule, which bars collecting payment until the promised service period has ended and a consumer report, issued more than six months after the results were achieved, documents them (16 C.F.R. § 310.4(a)(2)).
Your rights under federal law
The following statement is required by the Credit Repair Organizations Act (15 U.S.C. § 1679c). We provide it so you know your rights before you work with anyone on your credit.
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 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 must then reinvestigate and modify or remove inaccurate or incomplete information. 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
Today you can also request your credit reports from the three nationwide credit bureaus at AnnualCreditReport.com, and learn more at the Consumer Financial Protection Bureau and the Federal Trade Commission.
Business information
Legal name: Assolto
Based in Fort Myers, Florida · (239) 401-4293 · contact@assolto.com
Sources for statistics on this website
- Federal Reserve Banks, 2025 Report on Employer Firms: Findings from the 2024 Small Business Credit Survey: "Forty-one percent of applicants received all the financing they sought"; firms denied all or some financing were "more likely in 2024 than in 2021 to say that they were denied because they already had too much debt (41% in 2024 versus 22% in 2021)." Checked October 2, 2026.
- Consumer Financial Protection Bureau, Data Point: Credit Invisibles (May 2015): "As of 2010, 26 million consumers in the United States were credit invisible, representing about 11 percent of the adult population." Checked October 2, 2026.
Last updated October 2, 2026